Banking: approx. 55%
Insurance: approx. 25%
Asset management: approx. 20%

Top 3 markets:
Belgium: approx. 40%
Czech Republic: approx. 25%
Slovakia: approx. 15%

The KBC Group NV generates the majority of its revenues from banking, followed by insurance services and asset management. Belgium remains the most important market for the KBC Group, followed by the Czech Republic and Slovakia. These markets significantly contribute to the company's total revenue and reflect the geographical presence and strategic orientation of the KBC Group.

Headquarters: Brussels, Belgium

Die KBC Group NV ist hauptsächlich im Finanzsektor tätig und bietet Bank- und Versicherungsdienstleistungen an. Als solches produziert das Unternehmen keine physischen Produkte im traditionellen Sinne, sondern konzentriert sich auf Finanzdienstleistungen. Ihre Hauptaktivitäten umfassen das Angebot von Krediten, Versicherungen und Anlageprodukten.

Die Dienstleistungen werden vorwiegend in Belgien und Mitteleuropa erbracht, mit einer starken Präsenz in Ländern wie Tschechien, Slowakei, Ungarn und Bulgarien. KBC betreibt keine Produktionsstätten, sondern verfügt über ein Netzwerk von Filialen und digitalen Plattformen, um ihre Dienstleistungen anzubieten.

Strategy for Future Growth:

1. Digitalization and Innovation
2. Sustainability and ESG Initiatives
3. Market Expansion in Central and Eastern Europe

The KBC Group NV is increasingly focusing on digitalization and innovation to increase its efficiency and enhance the customer experience. This includes investments in fintech solutions and the development of digital platforms to optimize customer service.

Another key focus is on sustainability and ESG initiatives. KBC is committed to reducing its environmental impact and offering sustainable financial products to meet the growing demands of investors and regulatory authorities.

Additionally, the KBC Group is pursuing a strategy of market expansion in Central and Eastern Europe. Through targeted acquisitions and partnerships in these regions, the company aims to expand its market presence and capitalize on the growth opportunities there.

Main imported raw materials: Financial services do not require physical raw materials.

The KBC Group NV is a financial services company mainly active in the banking and insurance sectors. Therefore, it does not import physical raw materials or materials like a manufacturing company.

Instead, the KBC Group focuses on importing financial services, technologies, and know-how to enhance its services. These can come from various countries where the company operates or maintains partnerships.

Return on Equity (ROE): 16.5% (2024) Cost-to-Income Ratio: 54% (2024) Market share in Belgium: approx. 20% (2024)

The KBC Group NV has a significant competitive advantage, reflected in a high Return on Equity of 16.5%. This shows that the company efficiently utilizes capital to generate profits. An ROE above 15% is considered strong in the financial industry and indicates good profitability.

The Cost-to-Income Ratio of 54% shows that KBC operates efficiently and effectively controls its costs in relation to income. A lower Cost-to-Income Ratio is an indicator of operational efficiency and gives KBC an advantage over competitors with higher ratios.

With a market share of about 20% in Belgium, KBC holds a strong position in its home market. This market position allows the company to benefit from economies of scale and maintain a solid customer base, further strengthening its competitive advantage.

In summary, the combination of high profitability, operational efficiency, and a strong market position demonstrates that KBC Group NV has a robust competitive advantage.

Institutional investor share: approx. 60% (estimated for 2025 based on historical trends)

Insider purchases/sales: No significant transactions in the last year (estimated)

The institutional investor share at KBC Group NV traditionally stands at around 60%, indicating the trust of large investment funds and institutional investors in the company's stability and growth potential.

Regarding insider purchases and sales, there have been no significant transactions in the last year, indicating a stable confidence of the management in the current corporate strategy and performance. Such activities are often seen as an indicator of the management's assessment of the company's situation.

Market share KBC Group NV: Estimate 12% (2025)

Main competitors and their market shares:

1. BNP Paribas Fortis - 18%
2. ING Belgium - 15%
3. KBC Group NV - 12%
4. Belfius Bank - 10%
5. AXA Bank Belgium - 8%

KBC Group NV is one of the leading financial institutions in Belgium and has a significant market share of about 12%. Its moat mainly consists of a strong regional presence, a diversified product portfolio, and high customer satisfaction. These factors provide it with a certain competitive advantage over smaller banks.

Compared to competitors like BNP Paribas Fortis and ING Belgium, which have larger market shares, KBC's moat is less pronounced. These competitors benefit from a stronger international presence and a broader network, giving them additional competitive advantages.

Overall, KBC Group NV has a solid, but not insurmountable moat. The competition may have the upper hand in some areas, particularly in international expansion and digital banking.

Revenue growth: 5.8% (2024) Profit growth: 7.2% (2024) Return on equity: 14.5% (2024)

The KBC Group NV recorded solid revenue growth of 5.8% and profit growth of 7.2% in 2024. These growth rates indicate strong operational performance, supported by an efficient cost structure and successful expansion into new markets.

The return on equity of 14.5% is an indicator of effective use of equity to generate profits. This is a positive sign for investors as it points to strong profitability and efficient management.

Additionally, KBC Group NV has strengthened its position in the European banking sector and benefits from a stable economic situation in its core markets. The strategic focus on digitization and sustainable financial solutions could further support future growth.

Overall, the current financial figures and strategic initiatives show that KBC Group NV represents an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend yield: 5.2% (2025, estimated)
Dividend history: Continuous payout over the last 5 years

The KBC Group NV has regularly distributed dividends in recent years and is considered a reliable dividend payer. The company's dividend policy aims to return a significant portion of its profits to shareholders, which is reflected in a stable dividend yield of around 5.2% in 2025.

The reliability of the payout is supported by KBC's solid financial base and strong market position. The company has also paid dividends in economically challenging times in the past, strengthening investors' confidence in the consistency of the payouts.