Following the Supervisory Review and Evaluation Process (SREP) performed for 2025, the fully loaded overall CET requirement for KBC Group (under the Danish Compromise) has been lowered from 10.88% as of 4Q24 (SREP 2024) to 10.85% as of 3Q25 (SREP 2025), according to the Group’s press release.

The European Central Bank (ECB) has informed KBC of its new minimum capital requirements. The new requirement consists of a Pillar 1 Requirement of 4.50%, a Pillar 2 Requirement (P2R) of 1.10%, a capital conservation buffer of 2.50%, the O-SII (other systemically important institutions) capital buffer of 1.50% and includes all announced decisions by local competent authorities on future changes of countercyclical capital buffers (1.15%) and the sectorial systemic risk buffer (0.10%).

Furthermore, the Pillar 2 Guidance (P2G) was lowered to 1.00% (from 1.25%) as a % of RWA. At the end of the second quarter of 2025, KBC Group’s unfloored fully loaded Basel 4 CET1 ratio amounted to 14.6%, well above the new CET1 requirement, the press release said.