KBC Group NV Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	17,349	19,746	20,170	11,225	6,320
Interest Income on Investments	77	57	59	59	45
Total Interest Income	17,426	19,803	20,229	11,284	6,365
Interest Paid on Deposits	11,284	14,172	14,697	6,063	1,869
Net Interest Income	6,142	5,631	5,532	5,221	4,496
Net Interest Income Growth (YoY)	9.07%	1.79%	5.96%	16.13%	-0.53%
Gain (Loss) on Sale of Assets	-	-	405	68	13
Gain (Loss) on Sale of Investments	-28	-34	-11	-101	6
Other Non-Interest Income	6,084	5,542	5,297	4,698	3,056
Total Non-Interest Income	6,056	5,508	5,691	4,665	3,075
Non-Interest Income Growth (YoY)	9.95%	-3.22%	21.99%	51.71%	14.91%
Revenues Before Loan Losses	12,198	11,139	11,223	9,886	7,571
Provision for Loan Losses	273	199	-16	154	-334
Revenue	11,925	10,940	11,239	9,732	7,905
Revenue Growth (YoY)	9.00%	-2.66%	15.48%	23.11%	29.12%
Salaries and Employee Benefits	-	-	-	-	2,457
Occupancy Expenses	-	-	-	-	356
Selling, General & Administrative	246	361	373	333	1,058
Other Non-Interest Expense	7,062	6,708	6,484	5,993	532
Total Non-Interest Expense	7,302	6,989	6,861	6,336	4,408
EBT Excluding Unusual Items	4,623	3,951	4,378	3,396	3,497
Asset Writedown	-37	-38	-92	-52	-52
Legal Settlements	-	28	2	149	6
Other Unusual Items	-	-	-	-	-26
Pretax Income	4,579	3,941	4,179	3,488	3,418
Income Tax Expense	1,010	527	778	670	804
Earnings From Continuing Operations	3,569	3,414	3,401	2,818	2,614
Minority Interest in Earnings	-1	1	1	-	-
Net Income	3,568	3,415	3,402	2,818	2,614
Preferred Dividends & Other Adjustments	117	84	64	50	50
Net Income to Common	3,451	3,331	3,338	2,768	2,564
Net Income Growth	4.48%	0.38%	20.72%	7.80%	81.53%
Basic Shares Outstanding	397	400	415	417	417
Diluted Shares Outstanding	397	400	415	417	417
Shares Change (YoY)	-0.75%	-3.61%	-0.48%	-	0.24%
EPS (Basic)	8.69	8.33	8.04	6.64	6.15
EPS (Diluted)	8.69	8.33	8.04	6.64	6.15
EPS Growth	4.38%	3.58%	21.12%	7.96%	84.09%
Dividend Per Share	5.100	4.150	4.150	4.000	4.000
Dividend Growth	22.89%	-	3.75%	-	63.93%
Effective Tax Rate	22.06%	13.37%	18.62%	19.21%	23.52%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.