Press Release
Outside trading hours - Regulated information*



Brussels, 1 August 2025



KBC remains well-capitalised under
2025 EU-wide EBA stress test
KBC notes the announcements made today by the European Banking Authority (EBA) regarding
the results of the 2025 EU-wide stress test. A brief set of slides on the KBC data is available at
www.kbc.com.

Under the base scenario of the stress test, KBC's fully loaded Common Equity Tier-1 (CET1) ratio
(Basel IV restated) of 14.56% at year-end 2024 increases by 2.66 percentage points to 17.22% at
year-end 2027. Under the adverse scenario, KBC’s fully loaded CET1 ratio would fall by 2.73
percentage points to 11.82% at year-end 2027, which is significantly better than the impact in the
2023 EBA stress test.

Commenting on today’s announcements, Johan Thijs, KBC Group CEO had this to say: ‘The results of this
regular, theoretical exercise conducted by the EBA give us additional insights into the capital requirements
that KBC must be able to meet under various possible economic scenarios. Our consistent results reassure our
stakeholders that our company is and would remain well capitalised should an adverse scenario occur. The
results also reflect our strong fundamentals in the form of: a healthy customer-oriented bank-insurance
model, a solid liquidity position supported by a very solid and loyal customer deposit base in our core markets,
and a comfortable level of solvency. This enables us to actively support the communities and economic
environment in which we operate on a continuous basis.’

KBC was subject to the 2025 EU-wide stress test conducted by the European Banking Authority (EBA) in
cooperation with the National Bank of Belgium (NBB), the European Central Bank (ECB) and the European
Systemic Risk Board (ESRB).

KBC notes the announcements made today by the EBA on the EU-wide stress test and acknowledges the
outcome of this exercise. The 2025 test does not contain a pass-fail threshold, but is designed instead to be
used as an important source of information for the purpose of the supervisory review process (SREP). The
results will assist competent authorities in assessing KBC’s ability to meet applicable prudential requirements
under stressed scenarios.

The adverse stress test scenario was set by the ECB/ESRB and covers a three-year time horizon (2025-2027).
The stress test was carried out applying a static balance sheet assumption as at December 2024 and
therefore, does not take into account future business strategies and management actions. It is not a forecast
of KBC’s profits.




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An extensive set of Q&As, plus details of the methodology and the base and adverse scenarios, are available
on the EBA’s website.


This information is provided only for comparison purposes with other banks and should not in any way
be directly compared to KBC’s other published information.




For more information, please contact:
Kurt De Baenst, General Manager, Investor Relations, KBC Group
Tel. + 32 2 429 35 73 - IR4U@kbc.be

Katleen Dewaele, General Manager, Corporate Communications, KBC Group
Tel. +32 475 78 08 66 – pressofficekbc@kbc.be




* This news item contains information that is subject to the transparency regulations for listed companies.
KBC Group NV Press Office KBC press releases are available at
Havenlaan 2 – 1080 Brussels Tel. +32 2 429 29 15 Ilse De Muyer www.kbc.com
Katleen Dewaele Tel. +32 2 429 32 88 Pieter Kussé
General Manager Tel. +32 2 429 85 44 Sofie Spiessens
Corporate Communication /Spokesperson Tel. +32 2 429 29 49 Tomas Meyers
Tel. +32 475 78 08 66 E-mail: pressofficekbc@kbc.be




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