De onderstaande ratio's zijn barometers die de financiële gezondheid van Belfius illustreren.
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".