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< Key Financials Ratios Key Figures Consolidated Figures
<

Ratios

Discover the Belfius financial ratios.

Ratios (1)


                                       

 31/12/2023

 31/12/2024 

Return on equity (ROE)

10.1%

9.6%

Return on assets (ROA)

0.62%

0.61%

Cost-income ratio (C/I ratio)

43%

43%

Asset quality ratio

1.78%

1.92%
Coverage ratio

56.0%

49.4%
Liquidity Coverage Ratio (LCR)

138%

139%
Net Stable Funding Ratio (NSFR)

128%

133%

(1) unaudited

Solvency ratios


                                       

 31/12/2023  31/12/2024 

CET 1-ratio (2)

16.0%

15.4%
Tier 1-ratio (2)

16.7%

16.1%
Total Capital ratio (2)

19.1%

18.6%
Leverage ratio

6.5%

6.5%

Solvency II ratio (before dividend)

207%

209%

Solvency II ratio (after dividend)

195%

196%

(2) 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"

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