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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.
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%.
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