STRONG BUSINESS ACTIVITY
CONTINUED GROWTH OF CUSTOMER LOANS AND DEPOSITS
CUSTOMER LOANS[1] AT EUR 199 BILLION, +6.0%* vs. 31.12.2017
CUSTOMER DEPOSITS[2] AT EUR 175 BILLION, +5.8%* vs. 31.12.2017
GOOD RESULTS WITH A NET INCOME AT EUR 1,932 MILLION
LOWER REVENUES IN BELGIUM AND LUXEMBOURG
COMPENSATED BY GOOD PERFORMANCE OF GROWING DIVISIONS
REVENUES: EUR 8,053 MILLION, +2.1%* vs. 2017
STABLE COSTS WITH A DECREASE IN BELGIUM
COSTS: EUR 4,847 MILLION, +0.4%* vs. 2017
LOW COST OF RISK AT 20bp
NET INCOME: EUR 1,932 MILLION, +6.0%* vs. 2017
STRONG FINANCIAL STRUCTURE
COMMON EQUITY TIER 1 RATIO OF 13.9%
LIQUIDITY COVERAGE RATIO OF 141% 3
COMMITTED TO THE BELGIAN ECONOMY
LOANS AT EUR 106 BILLION, +4.2% vs. 31.12.2017
CONTINUED PROGRESS ON DIGITISATION
WIDE RANGE OF SUSTAINABILITY INITIATIVES
* Excluding non-recurrent items, i.e. at constant scope, constant exchange rates and excluding other one-off results (see page 8 for more details).
[1] Customer loans are loans and receivables due from customers excluding securities and reverse repos and including the property, plant and equipment of Arval.[2] Customer deposits consist of amounts due to customers excluding repurchase agreements (‘repos’).
[3] On a non-consolidated basis.