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KBC Group (KBC) investor relations material
KBC Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Net result for Q2 2025 reached €1,018 million, marking the third consecutive quarter above €1 billion and a 9% year-over-year increase.
Strong performance across banking and insurance, with diversified income (49% net interest, 51% non-interest) and robust growth in loans and deposits.
Digital innovation advanced, with 5.7 million customers using the Kate digital assistant, up 19% year-over-year.
Return on equity at 15% for the quarter and 13% for 1H2025; cost/income ratio at 45% (excluding non-operating items).
Interim dividend of €1 per share to be paid in November 2025.
Financial highlights
Net interest income for Q2 was €1,509 million, up 6% quarter-on-quarter and 9% year-on-year; net interest margin at 2.08%.
Lending and deposit volumes grew 2% quarter-on-quarter and 7% year-on-year.
Core customer money inflow was €5 billion in Q2 and €7.4 billion year-to-date, with a shift from term deposits to current and savings accounts.
Assets under management ended the quarter at €280 billion, with €3 billion increase driven by strong sales and market recovery.
Loan loss impairment charges rose to €116 million in Q2, mainly due to increased reserves for geopolitical and macroeconomic uncertainties.
Outlook and guidance
Net interest income guidance for 2025 raised from at least €5.7 billion to at least €5.85 billion; total income growth guidance increased to at least 7%.
Loan growth guidance increased to at least 6.5% for 2025.
Operating expenses (excluding taxes) expected to grow below 2.5% year-on-year.
Combined ratio for non-life insurance expected below 91%; credit cost ratio to remain well below 25-30 bps.
FY27 guidance: total income CAGR24-27 at least 6%, NII CAGR24-27 at least 5%, insurance revenues CAGR24-27 at least 7%.
Explain drivers of NII increase Q/Q.
Assess impact of US tariff policies.
What is the expected impact of 365.bank acquisition?
Quantify Kate's impact on KBC's income.
Update guidance on loan growth targets.
Ethias: Expectation for a decision by year-end?
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Q3 202513 Nov, 2025
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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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