Ratios

Discover the Belfius financial ratios.

Ratios

Solvency ratios (1)

(1) Unaudited

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

(3) For the determination of the Capital ratios, the regulatory authority asks Belfius Bank to apply a risk weighting of 250% on the capital instruments held by Belfius Bank in Belfius Insurance after deduction of goodwill. This is commonly known as “Danish compromise".

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	31/12/2024	31/12/2025
Return on equity (ROE)	9.6%	9.5%
Return on assets (ROA)	0.61%	0.66%
Cost-income ratio (C/I ratio)	43.2%	43.0%
Asset quality ratio	1.92%	2.0%
Coverage ratio	49.4%	47.8%
Liquidity Coverage Ratio (LCR)	139%	144%
Net Stable Funding Ratio (NSFR)	133%	130%

	31/12/2024 (2)	31/12/2025
CET 1-ratio (3)	15.4%	15.9%
Tier 1-ratio (3)	16.0%	16.6%
Total Capital ratio (3)	18.6%	18.9%
Leverage ratio	6.5%	6.3%
Solvency II ratio (before dividend)	209%	201%
Solvency II ratio (after dividend)	196%	201%

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Ratios

Ratios

9.6%

9.5%

0.61%

0.66%

43.2%

43.0%

1.92%

2.0%

49.4%

47.8%

139%

144%

133%

130%

Solvency ratios (1)

15.4%

15.9%

16.0%

16.6%

18.6%

18.9%

6.5%

6.3%

209%

201%

196%

201%