KBC Group

KBC Group's npls (as % of loans) fell 21.2% yoy to 2.15% in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's non-performing loans reached 2.15% of total loans at the end of 2019-12-31, down from 2.73% compared to the previous ...

KBC Group's net profit rose 13.0% yoy to EUR 702 mil in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group made a net profit of EUR 702 mil under revenues of EUR 2,240 mil in the fourth quarter of 2019, up 13% and 11.3% ...

KBC Group's corporate loans rose 3.13% yoy to EUR 83,203 mil in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's loans reached EUR 158,182 mil in the fourth quarter of 2019, up from EUR 157,296 mil when compared to the previo...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 4,184 4,625 4,702
Net Fee Income EUR mil 1,707 1,719 1,734
Other Income EUR mil 2,705 1,886 1,948
Total Revenues EUR mil 8,596 8,230 8,384
Operating Profit EUR mil 4,752 4,042 4,095
Provisions EUR mil -87.0 -17.0 217
Net Profit EUR mil 2,575 2,570 2,489
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 24,952 26,202 30,994
Customer Loans EUR mil 141,880 146,954 155,598
Debt Securities EUR mil 82,396 79,197 81,484
Total Assets EUR mil 292,342 283,808 290,735
Shareholders' Equity EUR mil 18,803 19,633 20,365
Interbank Borrowing EUR mil 34,711 25,845 23,226
Customer Deposits EUR mil 176,365 176,574 184,524
Issued Debt Securities EUR mil 15,653 15,431 16,083
Ratios 2017 2018 2019
ROE % 14.2 13.4 12.4
ROA % 0.907 0.892 0.866
Costs (As % Of Assets) % 1.35 1.45 1.49
Costs (As % Of Income) % 44.7 50.9 51.2
Capital Adequacy Ratio % 20.4 19.2 19.6
Net Interest Margin % 1.47 1.61 1.64
Loans (As % Of Deposits) % 80.4 83.2 84.3
NPLs (As % Of Loans) % 3.59 2.73 2.15
Provisions (As % Of NPLs) % 77.1 78.1 76.0
Valuation 2017 2018 2019
Market Capitalisation (End Of Period) USD mil 35,677 27,004 30,402
Share Price (End Of Period) 71.2 56.6 67.1
Price/Earnings (P/E) 11.6 9.18 11.2
Price/Book Value (P/BV) 1.58 1.20 2.75
Dividend Yield % 4.23 6.18 6.71
Earnings Per Share (EPS) 6.16 6.16 5.98
Book Value Per Share 45.0 47.1 24.4
Dividend Per Share 3.01 3.49 4.50

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summary Unit 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                                        
Net Interest Income EUR mil                                           4,177 4,364 4,387 4,335 4,184    
Total Revenues EUR mil                                           7,676 7,335 7,773 7,697 8,596    
Operating Profit EUR mil                                           3,803 3,518 3,118 3,782 4,752    
Net Profit EUR mil                                           1,015 1,763 2,639 2,427 2,575    
balance sheet                                                        
Interbank Loans EUR mil                                           10,244 12,201 12,026 17,835 24,952    
Customer Loans EUR mil                                           119,909 123,007 128,444 133,793 141,880    
Debt Securities EUR mil                                           84,732 86,863 88,612 86,973 82,396    
Total Assets EUR mil                                           238,686 245,174 252,356 275,200 292,342    
Shareholders' Equity EUR mil                                           14,514 16,521 15,811 17,357 18,803    
Interbank Borrowing EUR mil                                           28,497 25,184 27,242 31,782 34,711    
Customer Deposits EUR mil                                           113,897 126,971 134,098 158,747 176,365    
Issued Debt Securities EUR mil                                           20,701 16,290 16,098 15,998 15,653    
ratios                                                        
ROE %                                           6.66 11.4 16.3 14.6 14.2    
ROA %                                           0.410 0.729 1.06 0.920 0.907    
Costs (As % Of Assets) %                                           1.56 1.58 1.87 1.48 1.35    
Costs (As % Of Income) %                                           50.5 52.0 59.9 50.9 44.7    
Capital Adequacy Ratio %                                           18.4 18.9 19.8 20.6 20.4    
Net Interest Margin %                                           1.69 1.80 1.76 1.64 1.47    
Interest Income (As % Of Revenues) %                                           54.4 59.5 56.4 56.3 48.7    
Fee Income (As % Of Revenues) %                                           19.3 21.4 21.6 18.9 19.9    
Equity (As % Of Assets) %                                           6.08 6.74 6.27 6.31 6.43    
Loans (As % Of Deposits) %                                           105 96.9 95.8 84.3 80.4    
Loans (As % Assets) %                                           50.2 50.2 50.9 48.6 48.5    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   10.8 10.4 5.18 4.12 3.59    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                   40.6 42.7 79.5 85.3 77.1    
valuation                                                        
Market Capitalisation (End Of Period) USD mil                                           23,734 23,511 26,250 25,991 35,677    
Number Of Shares (Average) mil                                           417 417 418 418 418    
Share Price (End Of Period)                                           41.3 46.5 57.7 58.9 71.2    
Earnings Per Share (EPS)                                           2.43 4.22 6.31 5.81 6.16    
Book Value Per Share                                           34.8 39.6 37.8 41.5 45.0    
Dividend Per Share                                           0 2.00 0 2.80 3.01    
Price/Earnings (P/E)                                 ... ...       17.0 11.0 9.14 10.1 11.6    
Price/Book Value (P/BV)                                           1.19 1.18 1.52 1.42 1.58    
Dividend Yield %                                           0 4.30 0 4.76 4.23    
Earnings Per Share Growth % ...                                         39.0 73.5 49.5 -8.03 6.10    
Book Value Per Share Growth % ...                                         -23.8 13.7 -4.43 9.78 8.33    
income statement Unit 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
income statement                                                        
Interest Income EUR mil                                           8,510 7,949 7,226 6,718 6,400    
Interest Cost EUR mil                                           4,333 3,585 2,839 2,383 2,216    
Net Interest Income EUR mil                                           4,177 4,364 4,387 4,335 4,184    
Net Fee Income EUR mil                                           1,484 1,572 1,678 1,451 1,707    
Other Income EUR mil                                           2,015 1,399 1,708 1,911 2,705    
Total Revenues EUR mil                                           7,676 7,335 7,773 7,697 8,596    
Operating Cost EUR mil                                           3,873 3,817 4,655 3,915 3,844    
Operating Profit EUR mil                                           3,803 3,518 3,118 3,782 4,752    
Provisions EUR mil                                           1,719 587 323 126 -87.0    
Extra and Other Cost EUR mil                                           370 511 260 566 1,172    
Pre-Tax Profit EUR mil                                           1,714 2,420 2,535 3,090 3,667    
Tax EUR mil                                           685 657 -104 663 1,092    
Minorities EUR mil                                           14.0 0 0 0 0    
Net Profit EUR mil                                           1,015 1,763 2,639 2,427 2,575    
Dividends EUR mil                                           0 836 0 1,171 1,260    
growth rates                                                        
Net Interest Income Growth % ...                                         -11.4 4.48 0.527 -1.19 -3.48    
Net Fee Income Growth % ...                                         12.9 5.93 6.74 -13.5 17.6    
Total Revenue Growth % ...                                         -9.60 -4.45 5.98 -0.978 11.7    
Operating Cost Growth % ...                                         -8.89 -1.45 22.0 -15.9 -1.81    
Operating Profit Growth % ...                                         -10.3 -7.51 -11.4 21.3 25.6    
Pre-Tax Profit Growth % ...                                         75.6 41.2 4.75 21.9 18.7    
Net Profit Growth % ...                                         65.8 73.7 49.7 -8.03 6.10    
balance sheet Unit 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
balance sheet                                                        
Cash EUR mil                                           4,294 5,771 7,038 20,148 29,727    
Interbank Loans EUR mil                                           10,244 12,201 12,026 17,835 24,952    
Customer Loans EUR mil                                           119,909 123,007 128,444 133,793 141,880    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         51,583 53,123 55,050 57,307 60,601    
Debt Securities EUR mil                                           84,732 86,863 88,612 86,973 82,396    
Fixed Assets EUR mil                                           2,457 2,278 2,299 2,451 2,721    
Total Assets EUR mil                                           238,686 245,174 252,356 275,200 292,342    
Shareholders' Equity EUR mil                                           14,514 16,521 15,811 17,357 18,803    
Of Which Minority Interest EUR mil                                           354 -3.00 0 0 0    
Liabilities EUR mil                                           224,172 228,653 236,545 257,843 273,539    
Interbank Borrowing EUR mil                                           28,497 25,184 27,242 31,782 34,711    
Customer Deposits EUR mil                                           113,897 126,971 134,098 158,747 176,365    
Sight Deposits EUR mil ...                                         38,999 47,020 55,148 63,427 73,606    
Term Deposits EUR mil ...                                         74,898 79,951 78,950 95,320 102,759    
Issued Debt Securities EUR mil                                           20,701 16,290 16,098 15,998 15,653    
Other Liabilities EUR mil                                           61,077 60,208 59,107 51,316 46,810    
asset quality                                                        
Non-Performing Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...                   13,607 13,385 6,936 5,711 5,242    
Gross Loans EUR mil                                           125,430 128,716 133,961 138,667 145,919    
Provisions EUR mil                                           1,719 587 323 126 -87.0    
growth rates                                                        
Customer Loan Growth % ...                                         -4.74 2.58 4.42 4.16 6.04    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -2.91 6.62 4.26 3.77 6.88    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -3.90 2.99 3.63 4.10 5.75    
Total Asset Growth % ...                                         -7.08 2.72 2.93 9.05 6.23    
Shareholders' Equity Growth % ...                                         -9.07 13.8 -4.30 9.78 8.33    
Customer Deposit Growth % ...                                         -6.35 11.5 5.61 18.4 11.1    
ratios Unit 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
ratios                                                        
ROE %                                           6.66 11.4 16.3 14.6 14.2    
ROA %                                           0.410 0.729 1.06 0.920 0.907    
Costs (As % Of Assets) %                                           1.56 1.58 1.87 1.48 1.35    
Costs (As % Of Income) %                                           50.5 52.0 59.9 50.9 44.7    
Capital Adequacy Ratio %                                           18.4 18.9 19.8 20.6 20.4    
Tier 1 Ratio %                                           15.3 16.0 16.8 17.8 18.0    
Net Interest Margin %                                           1.69 1.80 1.76 1.64 1.47    
Interest Spread % ...                                         1.57 1.70 1.68 1.58 1.42    
Asset Yield %                                           3.43 3.29 2.90 2.55 2.26    
Cost Of Liabilities % ...                                         1.86 1.58 1.22 0.964 0.834    
Payout Ratio %                                           0 47.4 0 48.2 48.9    
Interest Income (As % Of Revenues) %                                           54.4 59.5 56.4 56.3 48.7    
Fee Income (As % Of Revenues) %                                           19.3 21.4 21.6 18.9 19.9    
Other Income (As % Of Revenues) %                                           26.3 19.1 22.0 24.8 31.5    
Equity (As % Of Assets) %                                           6.08 6.74 6.27 6.31 6.43    
Loans (As % Of Deposits) %                                           105 96.9 95.8 84.3 80.4    
Loans (As % Assets) %                                           50.2 50.2 50.9 48.6 48.5    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                   10.8 10.4 5.18 4.12 3.59    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                   40.6 42.7 79.5 85.3 77.1    
Provisions (As % Of Loans) % ... ... ... ... ... ...                               4.60 4.64 4.30 3.64 2.85    
Cost of Provisions (As % Of Loans) %                                           1.40 0.483 0.257 0.096 -0.063    
other data Unit 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
other data                                                        
Employees                                           38,167 36,177 36,199 38,356 42,000   ...
Sight (As % Of Customer Deposits) % ...                                         34.2 37.0 41.1 40.0 41.7    

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KBC Group's price/earnings (P/E) rose 4.72% yoy to 9.94 in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group stock traded at 67.3 per share at the end fourth quarter of 2019 implying a market capitalization of USD 30,402 mil. Since the end of 4Q2014, the stock has appreciated by 44.6 % implying an annual average growth of 7.66 %. In absolute terms, the value of the...

KBC Group's net interest margin rose 2.13% yoy to 1.64% in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's net interest margin amounted to 1.64% in the fourth quarter of 2019, up from 1.63% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 1.94% in 4Q2010 and an all time low of 1.41% i...

KBC Group's capital adequacy ratio rose 1.88% yoy to 19.6% in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's capital adequacy ratio reached 19.6% at the end of fourth quarter of 2019, up from 18.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 22.0% in 3Q2015 and an all time low of 15.6% in 4Q2011. ...

KBC Group's market capitalisation (end of period) rose 12.5% to USD 30,402 mil in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group stock traded at 67.3 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 30,402 mil. Over the last five years, the stock has appreciated by 44.6 implying an annual average growth of 7.66% In absolute terms, the ...

KBC Group's equity (as % of assets) rose 1.26% yoy to 7.00% in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's Equity reached 6.89% of total assets in the 4Q2019, down from 6.91% for the previous year. As a share of net customer loans, the ratio amounted to 15.4% at the end of the fourth quarter of 2019. ...

KBC Group's net interest income rose 1.61% yoy to EUR 1,200 mil in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group generated total banking revenues of EUR 2,240 mil in the fourth quarter of 2019, up 11.3% when compared to the same period of last year and 11.4% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fe...

KBC Group's customer loan growth rose 64.5% yoy to 5.88% in 4Q2019

By Helgi Analytics - February 18, 2020

KBC Group's customer loan growth reached 5.88% in 2019-12-31, up from 3.58% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 6.88% in 2017-06-30 and an all time low of -9.80% in 2011-03-31. In the last decad...

KBC Group's npls (as % of loans) fell 21.2% to 2.15% in 2019

By Helgi Analytics - February 18, 2020

KBC Group's non-performing loans reached 2.15% of total loans at the end of 2019, down from 2.73% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.8% in 2013 and an all time low of 1.65% in 2006. Provision coverage amoun...

KBC Group's capital adequacy ratio rose 1.88% to 19.6% in 2019

By Helgi Analytics - February 18, 2020

KBC Group's capital adequacy ratio reached 19.6% at the end of 2019, up from 19.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.6% in 2016 and an all time low of 11.5% in 1998. The Tier 1 ratio amounted to ...

KBC Group's net profit fell 3.15% to EUR 2,489 mil in 2019

By Helgi Analytics - February 18, 2020

KBC Group made a net profit of EUR 2,489 mil under revenues of EUR 8,384 mil in 2019, up -3.1517509727626% and 1.8712029161604% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 3,430 mil in 2006 and an all ti...

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