Les ratios suivants sont les baromètres de la santé financière de Belfius.
Ratios (1)
31/12/2020
31/12/2021
31/12/2022
Return on equity (ROE)
5.6%
9.2%
9.1%
Return on assets (ROA)
0.29%
0.48%
0.51%
Cost-income ratio (C/I ratio)
56.0%
54.6%
54.3%
Asset quality ratio
2.02%
1.95%
1.82%
Coverage ratio
60.0%
60.4%
59.6%
Liquidity Coverage Ratio (LCR)
158%
195%
173%
Net Stable Funding Ratio (NSFR)
128%
136%
135%
(1) unaudited
Solvency ratios
31/12/2020
31/12/2021
31/12/2022
CET 1-ratio (1)
17.1%
16.4%
16.5%
Tier 1-ratio (1)
18.0%
17.1%
17.3%
Total Capital ratio (1)
20.4%
19.8%
19.8%
Leverage ratio
6.9%
7.1%
6.3%
Solvency II ratio (before dividend)
212%
200%
205%
Solvency II ratio (after dividend)
200%
190%
193%
(1) For the determination of the Capital under Basel III, the regulatory authority asks Belfius to apply a prudential deconsolidation of Belfius Insurance and to apply a risk weighting of 370% on the participation. This is commonly known as "Danish compromise".