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KBC Group
KBC Group (KBC) investor relations material
KBC Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Net profit for FY2025 was €3,568 million, up 4% year-over-year, with all business lines exceeding guidance and strong digital innovation, including the AI-driven Kate app.
Achieved a balanced income split: 50% net interest income, 50% non-net interest income, with significant growth in both.
Robust solvency and liquidity, with CET1 ratio at 14.9%, NSFR at 138%, and LCR at 159%.
Proposed total gross dividend of €5.1 per share for 2025, reflecting a 60% payout ratio.
Strategic acquisitions of 365.bank and Business Lease in Czech Republic and Slovakia completed, impacting capital ratios by 50 basis points.
Financial highlights
Total income grew 9% year-over-year, with net interest income for FY2025 at €6,065 million and net interest margin at 2.11%.
Fee and commission income rose 4% year-over-year, assets under management reached €300 billion, and insurance business grew 9% year-to-date.
Operating expenses (excluding taxes) rose 2.5% year-over-year; cost/income ratio (excl. taxes) at 41%.
Credit cost ratio at 0.13%, with impaired loans ratio at 1.8%.
Return on equity for FY2025 at 15%; return on tangible equity at 16%.
Outlook and guidance
FY2026 guidance: total income to grow at least 6.8% year-over-year, net interest income at least €6,725 million, and insurance revenues to rise at least 7.5%.
Cost/income ratio targeted below 38% by 2028, with 2026 guided at 40%.
Combined ratio to remain below 91%; credit cost ratio well below 25-30 basis points.
Medium-term (2025-2028) guidance: total income CAGR at least 7.7%, net interest income CAGR at least 8.6%.
Operating expenses (excl. taxes) expected to grow +3.4% year-over-year in FY26.
Capital impact of 2026 acquisitions
QoQ NII margin drivers
Geopolitical risk impact on loan book reserve
NII guidance: deposit mix shift assumptions?
AI's expected FTE impact and efficiency gains?
Ethias M&A: capital allocation strategy?
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Next KBC Group earnings date
Q1 202612 May, 2026
KBC Group
Next KBC Group earnings date
Q1 202612 May, 2026
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Frequently asked questions
KBC Group NV (KBC) is a Belgian universal multi-channel bank-insurer, focusing on private clients and small to medium-sized enterprises (SMEs). The company provides a broad range of banking and insurance services in its core markets, including Belgium, Bulgaria, Czech Republic, Hungary, and Slovakia. The company is headquartered in Brussels, Belgium, and its shares are listed on the Euronext Brussels.
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