Les ratios suivants sont les baromètres de la santé financière de Belfius.
Ratios (1)
31/12/2019
31/12/2020
31/12/2021
Return on equity (ROE)
7.4%
5.6%
9.2%
Return on assets (ROA)
0.40%
0.29%
0.48%
Cost-income ratio (C/I ratio)
58.4%
56.0%
54,6%
Asset quality ratio
1.96%
2.02%
1.95%
Coverage ratio
62.3%
60.0%
60.4%
Liquidity Coverage Ratio (LCR)
130%
158%
195%
Net Stable Funding Ratio (NSFR)
116%
128%
136%
(1) unaudited
Solvency ratios
31/12/2019
31/12/2020
31/12/2021
CET 1-ratio (1)
15.9%
17.1%
16.4%
Tier 1-ratio (1)
16.7%
18.0%
17.1%
Total Capital ratio(1)
19.2%
20.4%
19.8%
Leverage ratio
6.0%
6.9%
7.1%
Solvency II ratio (before dividend)
212%
212%
200%
Solvency II ratio (after dividend)
212%
200%
190%
(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".