De onderstaande ratio's zijn barometers die de financiële gezondheid van Belfius illustreren.
Ratios (1)
31/12/2022
31/12/2023
Return on equity (ROE)
8,9%
10,1%
Return on assets (ROA)
0,49%
0,62%
Cost-income ratio (C/I ratio)
44%
43%
Asset quality ratio
1,82%
1,95%
Coverage ratio
59,6%
56,0%
Liquidity Coverage Ratio (LCR)
173%
139%
Net Stable Funding Ratio (NSFR)
135%
128%
(1) unaudited
Solvency ratios
31/12/2022
31/12/2023
CET 1-ratio (1)
16,4%
16,0%
Tier 1-ratio (1)
17,2%
16,7%
Total Capital ratio (1)
19,8%
19,1%
Leverage ratio
6,2%
6,5%
Solvency II ratio (before dividend)
205%
207%
Solvency II ratio (after dividend)
193%
195%
(1) For the determination of the Capital ratios under Basel III, the regulatory authority asks Belfius Bank to apply a risk weighting of 370% on the capital instruments held by Belfius Bank in Belfius Insurance after deduction of goodwill. This is commonly known as “Danish compromise"