Kbc Group N.v. · EURONEXT:KBC
Kbc — Q1 2026 Earnings Presentation
66 slides from Kbc's earnings presentation, May 12, 2026
Slide 1: KBC Group Analysts' presentation 1Q 2026
1 of 66 KBC Group Analysts’ presentation 1Q 2026 The webinar link is available on www.kbc.com www.kbc.com More information: www.kbc.com IR4U@kbc.be KBC Group - Investor Relations Office: IR4U@kbc.be IR4U@kbc.be
Slide 2: Highlights: Net result of 557m EUR over 1Q26
Highlights Net result of 557m EUR over 1Q26 2 of 66 • Commercial bank-insurance franchises performed excellently • KBC Group is well-positioned being an integrated bank-insurer with tailored NET RESULT AM business that has a highly diversified income (50% NII and 50% non-NII of in m EUR FY25 total i
Slide 3: Wrap-up: Digital-first, data-driven and AI-led integrated bank-insurer
Wrap-up | Digital-first, data-driven and AI-led integrated bank-insurer with tailored AM 3 of 66 Well-diversified, both geographically and from a business point of view • geographically … • Mature markets (BE, CZ) combined with growth markets (SK, HU, BG) • Robust market position in all key markets
Slide 4: Strategic focus: KBC Mobile ranked N°1 mobile banking app
Strategic focus | Sia Partners again ranked KBC Mobile the N°1 mobile banking app worldwide 4 of 66 Unique integrated bank- Successful digital-first Firmly embedded insurance model approach through KATE sustainability strategy • We offer an integrated response to our clients’ • Our digital interacti
Slide 5: Strategic focus: The reference
Strategic focus | The reference 5 of 66 Profitability With a Return on Tangible Equity of 16% in 1Q26 KBC is one of the most profitable EU financial institutions Solvency With an unfloored fully loaded CET1 ratio of 14.4% at end 1Q26 KBC is amongst the better capitalised EU banks At KBC it is our am
Slide 6: Main exceptional items
Main exceptional items 6 of 66 1Q26 4Q25 1Q25 BE BU Opex – Exceptional profit bonus for employees -7m EUR Total Exceptional items BU Belgium -7m EUR Opex – Exceptional profit bonus for employees -6m EUR CZ BU Total Exceptional items BU Czech Republic -6m EUR Opex – Exceptional profit bonus for emplo
Slide 7: Strong growth of net interest income
Strong growth of net interest income 7 of 66 NET INTEREST INCOME NET INTEREST MARGIN* in m EUR in %, calculated excluding dealing room, ALM FX swaps & repos 1,608 1,672 1,509 1,527 109 Insurance 1,421 116 121 112 102 Banking 2.05% 2.08% 2.05% 2.11% 2.17% 1,493 1,563 1,319 1,388 1,415 (incl. Holding)
Slide 8: Inflow of core customer money
Inflow of core customer money 8 of 66 CUSTOMER MONEY DYNAMIC OVER 1Q26 in bn EUR +5.4bn EUR +1.6bn EUR +2.4bn EUR +0.6bn EUR -0.6bn EUR +0.7bn EUR +5.4bn EUR 31DEC25 foreign branches FX impact current accounts savings accounts term deposits mutual funds 31MAR26 • 1Q26 saw an inflow of core customer
Slide 9: Slightly higher net fee and commission income
Slightly higher net fee and commission income, despite geopolitical turmoil Strong net inflows in direct client money in the first quarter 9 of 66 NET FEE & COMMISSION INCOME ASSETS UNDER MANAGEMENT in m EUR in bn EUR 707 725 729 300 295 690 667 280 292 12 16 13 273 12 13 Other Investment 66 68 67 6
Slide 10: Non-life sales up y-o-y, excellent life sales
Non-life sales up y-o-y, excellent life sales (up q-o-q and y-o-y) 10 of 66 NON-LIFE SALES LIFE SALES in m EUR in m EUR 1,161 1,065 60 Hybrid products 1,013 77 850 64 Guaranteed- 792 671 653 654 843 423 Interest 333 61 products 655 507 1Q25 2Q25 3Q25 4Q25 1Q26 71 362 • Up by 7% y-o-y, with growth in
Slide 11: FIFV & IFIE result sharply down q-o-q, net other income above run rate
FIFV & IFIE result sharply down q-o-q and net other income above the normal run rate 11 of 66 FIFV & IFIE NET OTHER INCOME in m EUR in m EUR 1Q25 2Q25 3Q25 4Q25 1Q26 Dealing room 77 60 53 56 30 MVA/CVA/FVA -1 0 5 -6 -1 89 IFIE – mainly 77 -67 -67 -69 -72 -76 67 interest accretion 47 M2M ALM 39 deriv
Slide 12: Costs excluding bank & insurance taxes decreased q-o-q
Costs excluding bank & insurance taxes decreased q-o-q 12 of 66 OPERATING EXPENSES (INCLUDING COSTS DIRECTLY BANK AND INSURANCE TAX SPREAD 2026 (preliminary) ATTRIBUTABLE TO INSURANCE) in m EUR in m EUR Total Upfront Spread out over the year 1,763 1Q26 1Q26 1Q26 2Q26e 3Q26e 4Q26e 1,646 BE BU 289 289
Slide 13: Overview of bank & insurance taxes
Overview of bank & insurance taxes* 13 of 66 KBC GROUP BELGIUM BU in m EUR KBC Group in m EUR BU BE 549m EUR 289m EUR Pro rata 10.0% 539 549 356 Pro rata 13.0% of 1Q26 opex** 17 10 of 1Q26 opex** 0 Resolution Fund* Resolution Fund 289 contribution contribution 0 Common bank & Common bank & 523 539 3
Slide 14: Slightly higher net loan loss impairment charges
Slightly higher net loan loss impairment charges on lending book Excellent credit cost ratio 14 of 66 Other impairments ASSET IMPAIRMENT ECL & mgmt. overlay for geopolitical and ME uncertainties CREDIT COST RATIO EXCL. ECL & MANAGEMENT OVERLAY FOR in m EUR; negative sign is a release Impairments on
Slide 15: Limited direct exposure to geopolitical and financial turmoil
KBC has only limited direct exposure to current geopolitical and financial turmoil 15 of 66 KBC’s direct exposure to… … the Middle East … vulnerable sectors … Private credit and Private equity Direct Oil, gas & Aviation Private Shipping Private exposure to other fuels c. 0.9% c. 0.1% credit equity M
Slide 16: Unfloored fully loaded Basel 4 CET1 ratio from 4Q25 to 1Q26
Unfloored* fully loaded Basel 4 CET1 ratio from 4Q25 to 1Q26 16 of 66 Q-O-Q VARIANCE OF CET1 CAPITAL in bn EUR -0.2 +0.4 +0.1 -0.3 19.3 19.2 +0.1 Unfloored fully loaded B4 common equity ratio amounted to 14.9% at the end of FY25 based on the Danish Compromise Jan 2012 4Q25 (B4 DC) 1Q26 net result Pr
Slide 17: Strong capital position with substantial buffer to MDA
Strong capital position with substantial buffer to MDA 17 of 66 CAPITAL REQUIREMENTS AND DISTANCE TO MAXIMUM DISTRIBUTABLE AMOUNT (MDA) RESTRICTIONS AS AT 31 March 2026 (FULLY LOADED, B4) in % Regulatory requirement 18.5 KBC Group 2.3 Tier 2 16.2 • P2R 1.95% (= Pillar II requirement) AT1 15.2 AT1 1.
Slide 18: Leverage ratio, liquidity ratios and Solvency II ratio
Leverage ratio, liquidity ratios and Solvency II ratio 18 of 66 LEVERAGE RATIO | KBC GROUP LIQUIDITY RATIOS | KBC GROUP SOLVENCY II RATIO | KBC INSURANCE fully loaded in % in % Leverage NSFR Solvency II LCR ratio ratio 5.6% 1Q26 159% 1Q26 135% 1Q26 231% 1Q26 5.6% FY25 138% FY25 227% FY25 159% FY25 S
Slide 19: Looking forward: FY26 financial guidance
Looking forward | FY26 financial guidance*** (as provided with FY25 results) 19 of 66 Our bank-insurance model is firing on all cylinders Note: all growth figures are based on reported 2025 figures 2026, organic growth 2026, full scope Total income at least +6.8% y-o-y at least +9.9% y-o-y Net inter
Slide 20: Looking forward: FY28 financial guidance
Looking forward | FY28 financial guidance (as provided with FY25 results) 20 of 66 Our bank-insurance model is firing on all cylinders Note: all growth figures are based on reported 2025 figures 2028 Total income* CAGR25-28 at least +7.7% Net interest income** CAGR25-28 at least +8.6% Jaws at least
Slide 21: Wrap-up
Wrap-up 21 of 66 Excellent financial Outstanding solvency Kate convinces Franchise is growing performance and liquidity customers net result loan customer CET1 ratio 6.1 million 557m volumes deposits 1Q26 14.4% users 3568m 3.2% buffer in contact +7% +5% vs MDA with Kate y-o-y y-o-y FY25 return on NS
Slide 22: Supplemental information & disclosures
Supplemental information & disclosures 22 of 66 BU view (slide 23-36) Annexes (slide 37-65) • Belgium BU • Company profile • Czech Republic BU • KBC strategy • International Markets BU • Sustainability • Slovakia • Asset quality • Hungary • MREL & funding • Bulgaria • Group Centre BU Navigate quickl
Slide 23: Belgium BU (1): Net result
Belgium BU (1) | Net result 23 of 66 NET RESULT ROAC in m EUR 1Q26 13% 64% of Allocated Capital 674 607 589 281 317 1Q25 2Q25 3Q25 4Q25 1Q26 • The quarter was characterised by higher net interest income, higher net fee and commission income, higher sales of non-life and life insurance products, wors
Slide 24: Belgium BU (2): Net interest income
Belgium BU (2) | Net interest income 24 of 66 NET INTEREST INCOME NET INTEREST MARGIN in m EUR in % 1.87% 1.92% 1.88% 1.98% 1.97% 900 898 956 961 830 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 • Slightly lower q-o-q and increased by 10 bps y-o-y for the reasons mentioned on net interest incom
Slide 25: Belgium BU (3): Credit margins in Belgium
Belgium BU (3) | Credit margins in Belgium 25 of 66 PRODUCT SPREAD ON CUSTOMER LOAN BOOK | OUTSTANDING in % 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0.0 1Q19 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4
Slide 26: Belgium BU (4): Other income lines & cross-selling
Belgium BU (4) | Other income lines & cross-selling 26 of 66 NET FEE & COMMISSION INCOME INSURANCE in m EUR • Insurance sales: 1,555m EUR • Non-life sales (530m EUR) +6% y-o-y, due to premium growth in all classes, due to a combination of volume and tariff increases • Life sales (1,025m EUR) rose by
Slide 27: Belgium BU (5): Opex & impairments
Belgium BU (5) | Opex & impairments 27 of 66 Other impairments OPERATING EXPENSES ASSET IMPAIRMENT ECL & mgmt. overlay for geopolitical and ME uncertainties in m EUR in m EUR 984 Impairments on financial assets at AC and FVOCI 937 111 0 356 Bank & 289 79 insurance taxes 642 673 24 2 60 627 0 0 17 47
Slide 28: Czech Republic BU (1): Net result
Czech Republic BU (1) | Net result 28 of 66 ROAC NET RESULT 1Q26 in m EUR 33% 16% of Allocated Capital 240 244 231 207 223 1Q25 2Q25 3Q25 4Q25 1Q26 • The quarter was characterised by higher net interest income, higher net fee & commission income, higher sales of non-life and lower sales of life insu
Slide 29: Czech Republic BU (2): Net interest income
Czech Republic BU (2) | Net interest income 29 of 66 NET INTEREST INCOME NET INTEREST MARGIN in m EUR in % 2.44% 2.44% 2.39% 2.36% 2.44% 348 356 367 376 336 1Q25 2Q25 3Q25 4Q25 1Q26 • Rose by 8 bps q-o-q and stabilised y-o-y for the reasons mentioned on net 1Q25 2Q25 3Q25 4Q25 1Q26 interest income a
Slide 30: Czech Republic BU (3): Other income lines & cross-selling
Czech Republic BU (3) | Other income lines & cross-selling 30 of 66 NET FEE & COMMISSION INCOME INSURANCE in m EUR • Insurance sales: 214m EUR • Non-life sales (161m EUR) +9% y-o-y excl. FX, due to premium and volume growth in almost all classes • Life sales (53m EUR): o -5% q-o-q excl. FX due entir
Slide 31: Czech Republic BU (4): Opex & impairments
Czech Republic BU (4) | Opex & impairments 31 of 66 Other impairments OPERATING EXPENSES ASSET IMPAIRMENT ECL & mgmt. overlay for geopolitical and ME uncertainties in m EUR in m EUR Impairments on financial assets at AC and FVOCI 280 33 256 253 0 250 23 Bank & 25 230 1 1 insurance taxes 26 6 22 0 Op
Slide 32: International markets BU (1): Highlights
International markets BU (1) | Highlights 32 of 66 NET RESULT ROAC ORGANIC VOLUME TREND in m EUR 1Q26 237 237 12% Total o/w retail Customer loans** mortgages deposits*** 19% of 205 Allocated Capital Volume (EUR) 38bn 16bn 40bn 90 94 72 Growth q-o-q* +2% +3% +1% 135 99 Growth y-o-y +12% +15% +10% 66
Slide 33: International markets BU (2): Slovakia
International markets BU (2) | Slovakia 33 of 66 ROAC VOLUME TREND NET RESULT 1Q26 in m EUR 16% • Total customer loans rose by 2% q-o-q and by 9% y-o-y (the latter due to 6% of good growth in all segments) Allocated Capital • Total customer deposits fell by 2% q-o-q (due to retail and corporate segm
Slide 34: International markets BU (3): Hungary
International markets BU (3) | Hungary 34 of 66 NET RESULT ROAC VOLUME TREND in m EUR 1Q26 -13% • Total customer loans rose by 1% q-o-q and by 12% y-o-y (the latter due to growth in 6% of all segments) Allocated Capital • Total customer deposits evolved by +4% q-o-q and +7% y-o-y due to growth in al
Slide 35: International markets BU (4): Bulgaria
International markets BU (4) | Bulgaria 35 of 66 NET RESULT ROAC VOLUME TREND in m EUR 1Q26 • Total customer loans rose by 2% q-o-q and by 15% y-o-y due to growth in 27% all segments 8% of Allocated Capital • Total customer deposits rose by 1% q-o-q (due to growth in the corporate 94 & retail segmen
Slide 36: Group Centre BU: Highlights
Group Centre BU | Highlights 36 of 66 NET RESULT in m EUR HIGHLIGHTS (Q-O-Q) • The q-o-q less negative result of Group Centre was attributable mainly to: • Higher net interest income • Better insurance result after reinsurance • Higher net other income -65 -68 • Lower operating expenses excluding ba
Slide 37: Company profile: KBC Group in a nutshell (1)
Company profile | KBC Group in a nutshell (1) 37 of 66 Diversified and strong business performance We want to be among Europe’s best performing financial institutions • geographically … • Mature markets (BE, CZ) combined with growth markets (SK, HU, BG) • We are a leading European financial group wi
Slide 38: Company profile: KBC Group in a nutshell (2)
Company profile | KBC Group in a nutshell (2) 38 of 66 High profitability (IFRS 17 figures) Solid capital position C/I ratio* combined CET 1 RATIO (FULLY LOADED, DANISH COMPROMISE) ratio net result in % 46% FY25 87% FY25 3,568m FY25 17.1% 17.6% 47% FY24 3,415m FY24 16.3% 16.0% 90% FY24 15.5% 15.4% 1
Slide 39: Company profile: KBC Group in a nutshell (3)
Company profile | KBC Group in a nutshell (3) 39 of 66 Dividend policy & capital distribution Shareholder structure (as at end 1Q26) The Board of Directors decided: MRBB Other core Treasury shares Cera 12.4% 7.0% • the dividend policy as from 2025: 5.0% • A payout ratio (including AT1 coupon) betwee
Slide 40: Company profile: Well-defined core markets
Company profile | Well-defined core markets 40 of 66 Belgium BU Czech Republic BU International Markets BU SK HU BG 62% of assets 132bn EUR loans 24% of assets 44bn EUR loans 4% of assets 4% of assets 5% of assets 4.1m clients 4.3m clients 0.8m clients 1.7m clients 2.2m clients 421 branches 197 bran
Slide 41: Strategy: S.T.E.M.: the ecosphere
Strategy | S.T.E.M.: the ecosphere 41 of 66 Our strategy rests on the following principles: • We place our clients at the centre of everything we do. • We look to offer our clients a unique bank-insurance experience. • We focus on our group’s long-term development and aim to achieve sustainable and
Slide 42: Strategy: Powered by PEARL
Strategy | Powered by PEARL 42 of 66 ‘Why would you build exactly the same thing in your country, when you have the solution next door?’ Johan Thijs Highlights Profit Loss Capital Liquidity Looking forward BU view Company profile KBC Strategy Sustainability Asset quality MREL Funding Highlights Prof
Slide 43: Strategy: Bank-insurance
Strategy | Bank-insurance 43 of 66 We move beyond traditional bank-insurance towards bank-insurance, providing not only traditional bank-insurance solutions but also less traditional non-financial solutions that impact the financial wellness of retail customers or the future of their business Data d
Slide 44: Strategy: The KBC performance diamond
Strategy | The KBC performance diamond 44 of 66 The performance diamond defines, within the limits of the risk management framework, the targets for KBC Group and for all the business units for 4 performance dimensions: Highlights Profit Loss Capital Liquidity Looking forward BU view Company profile
Slide 45: Kate: KBC's hyper personalised and trusted digital assistant
Kate | KBC’s hyper personalised and trusted digital assistant 45 of 66 Personalised & data driven The interaction between the customer and Kate will be triggered by data analysis (approval granted by customer). Kate will be trained on the basis of the customer’s profile, preferences and activities D
Slide 46: Kate: Four flavours, one Kate
Kate | Four flavours, one Kate 46 of 66 Kate4Retail & mSME Kate4Business Kate Group Platform Kate4Commercial Employees Kate is a personal virtual Kate also engages with our SME We do not build Kate for every Kate also has an impact on our assistant that engages with our and corporate clients and cou
Slide 47: Kate: A data-driven organisation with Kate at the core
Kate | A data-driven organisation with Kate at the core 47 of 66 Kate is more than an interface towards customers. It also refers to the AI-enhanced software at our center: the Kate brain. The Kate brain will be the driving force behind data-driven decision making, product design and development, ma
Slide 48: Kate: From basic chatbot to hyper-personal digital assistant
Kate | From basic chatbot to hyper-personal digital assistant 48 of 66 … Level 4: Kate offers hyper-personal solutions at the right time LEVEL 4 LEVEL 3 Hyper- personal & Level 3: Kate proactively offers actionable end-to-end LEVEL 2 Proactive contextual solutions to unburden customers (to save time
Slide 49: Strategy: Translating strategy into non-financial targets
Strategy | Translating strategy into non-financial targets 49 of 66 Maximise customer experience • No hassle, no frills, zero-delay customer experience Customer NPS ranking • Proactive personalized financial solutions via DATA and AI • Re-design & automation of all Outperform on processes Go for ope
Slide 50: Strategy: KBC's non-financial targets (2023-2026)
Strategy | KBC’s non-financial targets (2023-2026) (update on a half-year basis) 50 of 66 Customer ranking Bank-insurance (BI) clients Digital sales BI CLIENTS DIGITAL SALES BANKING PRODUCTS* TARGET in % TARGET in % TARGET Top-3 Top-3 Top-3 Top-2 * 83% 65% 2023 2024 2025 2026 76% 76% 76% 52% 55% 57%
Slide 51: KBC's ESG ratings and indices are ahead of the curve
KBC’s ESG ratings and indices are ahead of the curve 51 of 66 Agency ESG rating end-of-year 2025 Position versus industry D- A • Leader in addressing climate change • CDP’s A list for Climate • B-score on Forests and Water Security A • Score date: December 10, 2025 Severe Risk High Risk Medium Risk
Slide 52: Sustainability highlights (FY2025)
Sustainability highlights (FY2025) 52 of 66 Commitment to the environment Sustainable business Social responsibility 2025 interim targets achieved 34 billion euros in loans with environmental Commitment to diversity and inclusion In 2025, the GHG intensity of the equity and objectives In 2025, KBC s
Slide 53: Our commitment to the environment in 2025 (1)
Our commitment to the environment in 2025 (1) 53 of 66 Product development and service offering Our own environmental footprint • We want to contribute to environmental objectives and support our clients in • We have been diligently measuring our environmental footprint to better understand their su
Slide 54: Our commitment to the environment in 2025 (2)
Our commitment to the environment in 2025 (2) 54 of 66 Our indirect environmental impact Our commitment to sustainability goes beyond our direct operations. Our Sustainable Finance Programme is dedicated to addressing our indirect environmental impact, which encompasses the broader effects of our le
Slide 55: Loan loss experience at KBC
Loan loss experience at KBC 55 of 66 CREDIT COST RATIO in %; Credit cost ratio: amount of losses incurred on troubled loans as a % of total average outstanding loan portfolio AVERAGE 1Q26 FY25 FY24 FY23 FY22 FY21 FY20 FY19 ‘99 –’25 Belgium BU 0.19% 0.13% 0.19% 0.06% 0.03% -0.26% 0.57% 0.22% n/a Czec
Slide 56: Diversified loan portfolio
Diversified loan portfolio 56 of 66 Total loan portfolio outstanding Total loan portfolio outstanding | by segment as % of total Group loan portfolio outstanding* Total loan portfolio outstanding Corporate 234bn EUR* 36.7% 41.7% Retail Group level Total loan portfolio outstanding | by sector 21.6% a
Slide 57: Loan portfolio breakdown by IFRS 9 ECL stage
Loan portfolio breakdown by IFRS 9 ECL stage 57 of 66 Total loan portfolio outstanding | by IFRS9 ECL Stage* Stage 3 ratio | Belgium BU as % of total Group loan portfolio outstanding in % 19.9% 2.3% 2.2% 1.9% 2.0% 2.0% 1.8% 1.8% 17.9% 13.6% 11.5% 7.8% 7.6% 7.7% FY20 FY21 FY22 FY23 FY24 FY25 1Q26 Sta
Slide 58: Cover ratios
Cover ratios 58 of 66 Cover ratio | by IFRS9 ECL Stage* Stage 3 cover ratio | Belgium BU in % in % 45.6% 42.6% 42.4% 45.8% 44.7% 48.9% 39.6% 38.3% 47.1% 47.1% 47.4% 48.8% 44.7% 44.7% Stage 3 FY20 FY21 FY22 FY23 FY24 FY25 1Q26 Stage 3 cover ratio | Czech Republic BU 4.8% in % 2.2% 1.7% 1.4% 2.1% 1.9%
Slide 59: Substantial and well-diversified government bond portfolio
Substantial and well-diversified government bond portfolio 59 of 66 • Carrying value of 70.7bn EUR in government bonds (excl. trading book) at end of 1Q26, primarily as a result of a significant excess liquidity position and the reinvestment of insurance reserves in fixed-income instruments GOVERNME
Slide 60: Indicative view on transitional RWA evolution under Basel IV
Indicative view on transitional RWA evolution under Basel IV (updated) 60 of 66 • With regards to Basel IV implementation, • applying a static balance sheet from 31DEC25, • accounting for 365.bank and Business Lease acquisitions pro forma, and • all other parameters ceteris paribus, without mitigati
Slide 61: Above resolution requirements in terms of MREL
Above resolution requirements in terms of MREL 61 of 66 MREL targets MREL actuals • The resolution plan for KBC is based on a Single Point of Entry • The MREL ratio in % of RWA decreased from 31.4% in 4Q25 to 30.7% in 1Q26, (SPE) approach at KBC Group level, with bail-in as the preferred driven main
Slide 62: Upcoming mid-term funding maturities
Upcoming mid-term funding maturities 62 of 66 Total outstanding | 1Q26 Recent deals in % KBC Bank has 6 solid sources of long-term funding: (i) Retail term deposits, (ii) • In January 2026, KBC Group issued a Senior HoldCo for an amount of 1bn EUR with a Retail EMTN, (iii) Public benchmark transacti
Slide 63: Strong customer funding base
Strong customer funding base 63 of 66 • KBC Bank continues to have a strong retail/mid-cap deposit base in its core markets – resulting in a stable funding mix with a significant portion of the funding attracted from core customer segments and markets • Stable % in customer funding compared to balan
Slide 64: Glossary
Glossary 64 of 66 B3 / B4 Basel III / Basel IV Combined ratio (non-life Short-term non-life insurance contracts: [claims and claim related costs net of reinsurance + costs other than claims and commissions] / [earned expected premiums insurance) received, net of reinsurance] Common equity ratio [com
Slide 65: Contacts / questions
Contacts / questions 65 of 66 Johan Thijs More information KBC Group CEO • Company website KBC • Quarterly Report Quarterly Reports • Table of results (Excel) Bartel Puelinckx KBC Group CFO • Quarterly presentation Presentations • Debt presentation Kurt De Baenst direct +32 2 429 35 73 Upcoming even
Slide 66: Disclaimer
Disclaimer 66 of 66 • This presentation is provided for information purposes only. It does not constitute an offer to sell or the solicitation to buy any security issued by the KBC Group. • KBC believes that this presentation is reliable, although some information is condensed and therefore incomple