Ratios

Discover the Belfius financial ratios.

Ratios

Solvency ratios (1)

(1) Unaudited

(2) FY24 regulatory risk exposure under CRR2 has been slightly updated following a late correction in Corep figures.

(3) Voor het bepalen van de kapitaalratio's, vraagt de toezichthoudende overheid Belfius Bank de toepassing van een risicoweging van 250% op de kapitaalinstrumenten gehouden door Belfius Bank in Belfius Insurance na aftrek van goodwill. Dit is genoegzaam bekend als het "Deens compromis".

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	31/12/2024	30/06/2025
Return on equity (ROE)	9.6%	9.3%
Return on assets (ROA)	0.61%	0.60%
Cost-income ratio (C/I ratio)	43.2%	45.4%
Asset quality ratio	1.92%	1.94%
Coverage ratio	49.4%	48.8%
Liquidity Coverage Ratio (LCR)	139%	143%
Net Stable Funding Ratio (NSFR)	133%	129%

	31/12/2024 (2)	30/06/2025
CET 1-ratio (3)	15.4%	16.1%
Tier 1-ratio (3)	16.0%	16.8%
Total Capital ratio (3)	18.6%	19.3%
Leverage ratio	6.5%	6.3%
Solvency II ratio (before dividend)	209%	202%
Solvency II ratio (after dividend)	196%	195%

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Ratios

Ratios

9.6%

9.3%

0.61%

0.60%

43.2%

45.4%

1.92%

1.94%

49.4%

48.8%

139%

143%

133%

129%

Solvency ratios (1)

15.4%

16.1%

16.0%

16.8%

18.6%

19.3%

6.5%

6.3%

209%

202%

196%

195%