Ratios

Les ratios suivants sont les baromètres de la santé financière de Belfius.

Ratios (1)

(1) unaudited

(2) 12 month average (as from 2017 onwards)

Solvency ratios

(1) For the determination of the Capital under Basel III, the regulatory authority asks Belfius to apply a prudential deconsilidation of Belfius Insurance and to apply a risk weighting of 370% on the participation. This is commonly known as a "Danish compromise".

(2) pro forma

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	31/12/2016 (IAS 39)	31/12/2017 (IAS 39)	1/1/2018 (IFRS 9)	31/12/2018 (IFRS 9)
Return on equity (ROE)	6.4%	7.0%	7.1%	7.5%
Return on assets (ROA)	0.30%	0.35%	0.35%	0.39%
Cost-income ratio (C/I ratio)	60.5%	58.1%	na	60.4%
Asset quality ratio	2.54%	1.99%	2.15	2.05%
Coverage ratio	54.4%	63.3%	63.3%	61.6%
Liquidity Coverage Ratio (LCR) (2)	127%	132%	na	135%
Net Stable Funding Ratio	110%	116%	na	116%

	31/12/2016 (IAS 39)	31/12/2017 (IAS 39)	1/1/2018 (IFRS 9)	31/12/2018 (IFRS 9)
CET 1-ratio Phased In (1)	16.6%	16.1%		no longer applicable
CET 1-ratio Fully Loaded (1)	16.1%	15.9%	16.2%	16.0%
Tier 1-ratio Phased In (1)	16.6%	16.1%		no longer applicable
Tier 1-ratio Fully Loaded (1)	16.1%	15.9%	16.2%	17.0%
Total capital ratio Phased In (1)	19.4%	18.6%		no longer applicable
Total Capital Fully Loaded (1)	18.4%	18.1%	18.3%	19.6%
Leverage ratio Phased In	5.4%	5.6%		no longer applicable
Leverage ratio Fully Loaded	5.3%	5.5%	na	6.0%
Solvency II (before dividend)	217%	230%	na	219%
Solvency II (after dividend)	207%	219%	na	203%

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Ratios

Ratios (1)

6.4%

7.0%

7.1%

7.5%

0.30%

0.35%

0.35%

0.39%

60.5%

58.1%

na

60.4%

2.54%

1.99%

2.15

2.05%

54.4%

63.3%

63.3%

61.6%

127%

132%

na

135%

110%

116%

na

116%

Solvency ratios

16.6%

16.1%

16.1%

15.9%

16.2%

16.0%

16.6%

16.1%

16.1%

15.9%

16.2%

17.0%

19.4%

18.6%

18.4%

18.1%

18.3%

19.6%

5.4%

5.6%

5.3%

5.5%

na

6.0%

217%

230%

na

219%

207%

219%

na

203%