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]