The earnings call reflected a primarily positive outlook with strong net results, diversified income streams, and effective cost management. However, challenges include increased asset impairments, potential obstacles in the Ethias acquisition, and rising bank taxes.

Company Guidance

During the Q2 2025 earnings call, KBC Group provided several key financial metrics and guidance updates. The group reported a strong net result of EUR 1.18 billion for the quarter, with net interest income increasing by EUR 88 million from the previous quarter to EUR 1.5 billion. The company announced an interim dividend of EUR 1 per share, payable in November, and a return on equity of 15%. The combined ratio for insurance was at a favorable 85%, and the credit cost ratio stood at 15 basis points. KBC highlighted a robust CET1 ratio of 14.6%, despite a one-off EUR 38 million loan impairment buffer. The group raised its full-year 2025 net interest income guidance to at least EUR 5.85 billion and increased its loan growth target to 6.5%. Additionally, the digital assistant Kate contributed significantly, answering 73 million customer queries and facilitating 414,000 sales in the past year. The group maintained cost control, with operating expenses up 5% year-over-year, in line with their budget.

Strong Net Results

KBC Group reported a net result of EUR 1.18 billion for Q2 2025, marking the third consecutive quarter with net results over EUR 1 billion.

Diverse Income Streams

49% of income was from net interest income, with 51% from insurance and fee and commission products, demonstrating strong diversification.

Asset Management and Insurance Performance

Strong asset management sales of EUR 1.5 billion despite market turbulence and insurance sales growth with a combined ratio of 85%.

Cost Control

Operating expenses were below budget with a 5% increase from the previous year, maintaining a cost-income ratio of 41%.

Credit Quality and Solvency

Credit cost ratio was at 15 basis points; CET1 ratio remains strong at 14.6%.

Increased Guidance

Guidance for net interest income increased to at least EUR 5.85 billion from EUR 5.7 billion, with loan growth expectations raised to 6.5%.

Successful Digital Transformation

Kate, the digital assistant, handled 73 million interactions, saving substantial man-hours and boosting sales by converting leads.

KBC Group (KBCSY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KBCSY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 13, 2025	2025 (Q3)	- / -	1.175	―	―	―
Aug 07, 2025	2025 (Q2)	- / 1.42	1.211	17.18% (+0.21)
May 15, 2025	2025 (Q1)	- / 0.69	0.643	7.78% (+0.05)
Feb 13, 2025	2024 (Q4)	- / 1.47	0.861	71.08% (+0.61)
Nov 07, 2024	2024 (Q3)	- / 1.18	1.126	4.35% (+0.05)
Aug 08, 2024	2024 (Q2)	- / 1.21	1.243	-2.57% (-0.03)
May 16, 2024	2024 (Q1)	- / 0.64	1.119	-42.54% (-0.48)
Feb 08, 2024	2023 (Q4)	- / 0.86	0.984	-12.50% (-0.12)
Nov 09, 2023	2023 (Q3)	- / 1.13	0.922	22.13% (+0.20)
Aug 10, 2023	2023 (Q2)	- / 1.24	1.018	22.10% (+0.23)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KBCSY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	$54.09	$57.47	+6.25%
May 15, 2025	$47.70	$47.92	+0.46%
Feb 13, 2025	$39.78	$41.75	+4.95%
Nov 07, 2024	$35.62	$36.38	+2.13%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does KBC Group NV (KBCSY) report earnings?

KBC Group NV (KBCSY) is schdueled to report earning on Nov 13, 2025, Before Open (Confirmed).

What is KBC Group NV (KBCSY) earnings time?

KBC Group NV (KBCSY) earnings time is at Nov 13, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is KBCSY EPS forecast?

Currently, no data Available

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