Core Insights - KBC Group announced an extraordinary collective bonus for all employees in its core banking and insurance sectors, recognizing their contribution to the strong performance in 2025 [1][3] - The year 2025 was marked as exceptional for KBC, with the Group enhancing its position as a leading digital financial institution, receiving international accolades for innovation and customer experience [2] - The total cost of the extraordinary bonus is 25 million euros, which is non-recurring and directly linked to the performance of 2025 [3] Performance Highlights - KBC Mobile, featuring the AI assistant Kate, was recognized as the best mobile banking app globally, showcasing the trust of millions of customers [2] - CEO Johan Thijs emphasized that the success of KBC is driven by the expertise and commitment of its 40,000 employees in banking and insurance [3] - New digital solutions like MyMobility and MyHousing are gaining traction, further contributing to KBC's success [3]

Core Viewpoint - KBC Group reported a strong financial performance in 2025, with a net profit of 3,568 million euros, reflecting an 18% increase compared to the previous year, driven by diversified income sources and a growing loan portfolio [1] Financial Performance - The net result for Q4 2025 was 1,003 million euros, slightly up from 1,002 million euros in Q3 2025 but down from 1,116 million euros in Q4 2024 [1] - Basic earnings per share for FY 2025 were 8.70 euros, compared to 8.33 euros in FY 2024 [1] - Total income for FY 2025 rose by 9%, exceeding guidance, with a loan portfolio growth of 1% quarter-on-quarter and 7% year-on-year [1] - Customer deposits increased by 2% quarter-on-quarter and 3% year-on-year, excluding low-margin short-term deposits [1] Solvency and Liquidity - The fully loaded common equity ratio under Basel IV was 14.9% at the end of December 2025, indicating a strong solvency position [2] - The liquidity coverage ratio (LCR) was 159% and the net stable funding ratio (NSFR) was 138%, reflecting a solid liquidity position [2] Dividend Proposal - The Board of Directors proposed a total gross dividend of 5.1 euros per share for 2025, which includes an interim dividend of 1 euro already paid and a remaining 4.1 euros to be paid in May 2026, resulting in a pay-out ratio of 60% of 2025 net profit [3] Strategic Developments - KBC Group made significant progress in its strategy, finalizing the acquisition of 365.bank in Slovakia and Business Lease in the Czech Republic and Slovakia, which will impact capital position positively [4] Digital Innovation - The AI-powered personal digital assistant, Kate, reached 6 million customers, a 13% increase year-on-year, with an autonomy rate of 82% in Belgium [5] - The ecosphere 'MyMobility' launched with 73,000 clients signed up in the initial months [5] Financial Guidance - Updated financial guidance aims for total income to outgrow operating expenses by at least 3.4 percentage points annually by 2028, targeting a cost/income ratio below 38% and a combined ratio below 91% in non-life insurance [6] Sustainability Recognition - KBC Group was included in the CDP Climate A List for the fourth consecutive year and in the S&P Global Sustainability Yearbook for the seventh consecutive year, highlighting its leadership in sustainability [7]

Core Insights - KBC Ancora reported a profit of EUR 74.4 million for the first half of the financial year 2025/2026, a slight increase from EUR 73.9 million in the same period of the previous year, primarily driven by dividend income from KBC Group [1][3][9]. Financial Performance - Total income for the first half of 2025/2026 was EUR 77.955 million, consistent with EUR 77.738 million from the previous year [2]. - Operating costs were EUR 1.5 million, similar to the previous year's figure, while financial charges decreased to EUR 2.0 million from EUR 2.269 million [2][12]. - The profit after taxes for the first half was EUR 74.358 million, translating to EUR 0.97 per share, compared to EUR 0.96 per share in the prior year [2][3]. Balance Sheet Overview - As of December 31, 2025, KBC Ancora's total balance sheet stood at EUR 3.705 billion, an increase of EUR 76.4 million from the end of the previous financial year [5][6]. - Current assets rose significantly to EUR 105.696 million from EUR 29.290 million, with cash at bank increasing to EUR 350,000 [5][7]. - Total equity increased by EUR 74.4 million, reflecting the profit generated in the first half of the financial year [8]. Shareholding and Valuation - KBC Ancora maintained its holding of 77,516,380 shares in KBC Group, with a book value of EUR 46.44 per share [7][10]. - The net asset value of KBC Ancora shares was calculated at EUR 112.02, indicating a discount of 34.6% compared to the trading price of EUR 73.30 [11][10]. Dividend Policy - KBC Ancora intends to distribute 90% of the recurring result available for distribution as dividends, with a decision on the interim dividend for 2025/2026 expected by the end of May 2026 [15].

KBC Group today announces the successful completion of its acquisition of a 98.45% stake in 365.bank from J&T Finance Group. The deal originally announced on 15 May 2025, received approval from all relevant authorities and has now officially closed, enabling KBC to combine 365.bank with its Slovak operations anchored by ČSOB. The completion marks a significant milestone in KBC’s long‑term growth strategy in Slovakia - a core market for the group - and reinforces its ambition to remain a leading financial pl ...

Core Viewpoint - KBC Securities and Van Lanschot Kempen Investment Banking are forming a 50/50 joint venture to create a leading equities broker in the Benelux region, focusing on real estate and life sciences sectors, enhancing research coverage and liquidity for clients [1][2][3]. Joint Venture Highlights - The joint venture will consolidate equities businesses, including equity research, sales, trading, and Equity Capital Markets (ECM) execution, serving as the exclusive distribution channel for ECM business for both firms [2]. - Both companies will maintain independent client coverage for ECM transactions and continue to offer corporate finance services, including M&A advice [2]. Client Benefits - Investors will gain access to approximately 230 stocks under research coverage, with a strong emphasis on the Benelux region and European real estate and life sciences companies [3]. - The combination of investor bases from both firms is expected to significantly enhance liquidity and investor coverage, providing a broader client offering [4]. Future Growth Potential - The joint venture aims to establish a scalable platform with opportunities for future expansion [5]. - The partnership is designed to enhance client value by offering a comprehensive range of investment banking services, creating a Benelux powerhouse for corporate and institutional clients [6][8]. Operational Details - The joint venture is expected to commence operations in Q4 2026, pending regulatory approval, and will operate under its own license with equal ownership [7]. - The transaction is anticipated to positively impact Van Lanschot Kempen's capital ratio by approximately 0.25 percentage points, while having no material effect on KBC Group's CET1 ratio [9]. Company Backgrounds - KBC Securities is Belgium's leading investment bank, providing a wide range of financial services, including corporate finance and equity capital markets, with a strong focus on sectors like technology and life sciences [11]. - Van Lanschot Kempen is an independent wealth manager with a long history, focusing on sustainable wealth creation through private banking, investment management, and investment banking [13].

Regulated information, Leuven, 5 January 2026 (17.40 hrs CET) Announcement of the total number of voting rights as at 31 December 2025 In application of Article 15 of the Act of 2 May 2007 on the disclosure of major shareholdings in issuers whose shares are admitted to trading on a regulated market, KBC Ancora publishes on its website and via a press release on a monthly basis the total capital, the movements in the total number of voting shares and the total number of voting rights, in so far as these part ...

Group 1 - KBC Ancora publishes the total number of voting rights and capital on a monthly basis as per legal requirements [1][2] - As of 30 November 2025, KBC Ancora's total capital is EUR 3,158,128,455.28, with a total of 77,011,844 voting shares and 39,713,764 shares having double voting rights, resulting in a total of 116,725,608 voting rights [2] - Shareholders can determine their voting rights thresholds (3%, 5%, 10%, etc.) based on the total voting rights to assess their notification obligations [3] Group 2 - KBC Ancora holds an 18.6% stake in KBC Group and collaborates with other core shareholders to maintain shareholder stability and support the group's development [3] - A shareholder agreement has been signed among KBC Ancora, Cera, MRBB, and other permanent shareholders to ensure stability [3] Group 3 - Upcoming financial calendar includes the interim financial report on 30 January 2026 and the annual press release on 28 August 2026 [4]

Group 1 - KBC has completed a significant risk transfer transaction on a €4.2 billion corporate loan portfolio to optimize risk-weighted assets (RWA) and strengthen its capital ratio [1] - The risk transfer was executed through the placement of credit linked notes to institutional investors, covering the mezzanine exposure of the portfolio [1] - This transaction is expected to result in a risk-weighted assets saving of approximately €2 billion, enhancing KBC's fully loaded CET1 ratio by about 23 basis points by the fourth quarter of 2025 [2]

Core Insights - KBC Group reported a net profit of 1,002 million euros in Q3 2025, marking a 15% increase compared to Q3 2024, driven by higher net interest income, insurance revenues, and net fee and commission income [1] - The year-to-date net profit for the first nine months of 2025 reached 2,566 million euros, up 12% from the previous year [1] Financial Performance - Basic earnings per share for Q3 2025 were 2.44 euros, compared to 2.14 euros in Q3 2024 [1] - The loan portfolio grew by 2% quarter-on-quarter and 8% year-on-year, while customer deposits increased by 3% year-on-year [1] - Operating expenses were slightly higher but remained within guidance, and loan loss impairment charges decreased significantly, resulting in a favorable credit cost ratio of 12 basis points for the first nine months of 2025 [1] Solvency and Liquidity - KBC Group maintained a strong solvency position with a fully loaded common equity ratio under Basel IV of 14.9% as of September 2025 [2] - The liquidity position was solid, with a Liquidity Coverage Ratio (LCR) of 158% and a Net Stable Funding Ratio (NSFR) of 134% [2] Dividend and Guidance - An interim dividend of 1 euro per share was paid on November 7, 2025, as an advance on the total dividend for 2025 [2] - The full-year 2025 guidance for net interest income was increased to at least 5.95 billion euros, and total income growth was raised to at least 7.5% [2] Digital Innovation - KBC Group continues to lead in digital innovation with the upgraded AI-powered personal digital assistant, Kate, which now resolves seven out of ten customer queries autonomously [3] - The enhanced Kate Coin program allows customers to earn and use Kate Coins across different partners [3] Recognition and Acquisitions - KBC Mobile was recognized as the world's best mobile banking app for the third time by independent research agency Sia [4] - An agreement was reached to acquire Business Lease in the Czech Republic and Slovakia for 72 million euros, aimed at expanding leasing activities in Central Europe [5]

Regulated information, Leuven, 3 November 2025 (17.40 hrs CET) Announcement of the total number of voting rights as at 31 October 2025 In application of Article 15 of the Act of 2 May 2007 on the disclosure of major shareholdings in issuers whose shares are admitted to trading on a regulated market, KBC Ancora publishes on its website and via a press release on a monthly basis the total capital, the movements in the total number of voting shares and the total number of voting rights, in so far as these part ...