Mission Statement, Vision, & Core Values (2026) of KBC Group NV.

Imagine a bank-insurance powerhouse that began in 1998 and today serves roughly 13 million clients across Belgium, the Czech Republic, Slovakia, Hungary and Bulgaria, supported by about 40,000 employees and a multi-channel network of some 1,100 branches and electronic channels - KBC Group NV lives by a clear mission to enable and protect the dreams of retail customers, SMEs and mid-caps, while pursuing a vision to be the undisputed reference for bank-insurance in its core markets and embedding its culture in the distinctive PEARL+ values of Performance, Empowerment, Accountability, Responsiveness and Local Embeddedness to drive sustainable, profitable growth and tangible local impact

KBC Group NV (KBC.BR) - Intro

• Core client segments: retail, SMEs, mid-caps.
• Core markets: Belgium, Czech Republic, Slovakia, Hungary, Bulgaria.
• Channels: branches, insurance agents, digital and mobile platforms.

• Sustainable, profitable growth: focus on core markets and bank‑insurance cross-selling to increase share of wallet.
• Multi-channel delivery: combination of ~1,100 branches, tied insurance agents and advanced electronic channels to serve different client segments efficiently.
• Risk and capital management: maintaining a robust CET1 buffer to support lending, dividends and strategic investments.

• Performance - delivering commercial and operational targets across business lines.
• Empowerment - delegating decision-making to local teams to stay close to customers.
• Accountability - rigorous governance, risk management and transparency.
• Responsiveness - fast execution and customer-centric digital innovation.
• Local embeddedness - brand and activities aligned with local markets and communities.

• Local economic contribution: lending to households, SMEs and mid-caps that drive regional employment and investment.
• ESG integration: sustainable lending frameworks, green product offerings and commitments to reduce financed emissions over time.
• Community engagement: targeted local initiatives and sponsorships in healthcare, education and entrepreneurship.

• Digital usage: large share of banking interactions via mobile/web channels complemented by branch and agent networks.
• SME focus: dedicated commercial teams and product suites for working capital, investment finance and risk protection.

KBC Group NV (KBC.BR) - Overview

KBC Group NV's mission is to help all stakeholders realize their dreams and protect them - positioning the bank-insurer as more than a provider of financial products, but as a partner that enables, inspires and safeguards ambitions. This customer-centric mission underpins KBC's strategic focus on integrated bank-insurance solutions, long-term relationships and trust-building across retail, SME and corporate segments.

• Mission emphasis: enable and protect clients' dreams through integrated banking and insurance services.
• Customer promise: proactive advice, protection, and long-term relationship management.
• Strategic consistency: the mission has remained stable over time and informs product design, distribution and risk culture.

KBC's vision translates the mission into a differentiated bank-insurance experience: easy-to-use digital platforms, locally rooted distribution in core markets (Belgium, Czechia, Slovakia, Hungary, Bulgaria and Ireland), and tailored solutions for households and SMEs.

• Vision pillars: digital-first distribution, integrated bancassurance, local market leadership, and resilient capital & risk management.
• Client segments: retail customers, small & medium enterprises, mid-market corporates and wholesale banking clients.

Core values and cultural drivers, aligned with the mission and vision, are embedded across KBC's operating model and customer journeys:

• Client-centricity - prioritising needs, clarity and long-term protection.
• Integrity & trust - prudent risk management, transparency and regulatory compliance.
• Practical innovation - digital convenience blended with human advice.
• Local commitment - strong country management with decentralised customer focus.
• Responsibility - sustainable finance, social engagement and prudent capital stewardship.

Operational and strategic initiatives that demonstrate how mission and values convert into measurable actions include:

• Investment in digital channels to reduce friction in onboarding, payments and claims handling - measurable by rising mobile active users and digital sales mix.
• Integrated product bundles (mortgages + protection, SME lending + insurance) to increase cross-sell ratios and client lifetime value.
• Capital buffers and strong CET1 supporting long-term client protection and countercyclical lending capacity.

Key performance indicators used internally to track mission delivery:

• Net Promoter Score (NPS) and customer satisfaction metrics across markets.
• Cross-sell ratio and share-of-wallet for bancassurance products.
• Solvency and liquidity metrics (CET1, LCR, NSFR) to ensure client protection in stress.
• Digital adoption rates and cost-to-income ratio improvements.

For deeper financial analysis and breakdown of KBC Group NV's financial health and investor insights, see: Breaking Down KBC Group NV Financial Health: Key Insights for Investors

KBC Group NV (KBC.BR) - Mission Statement

• Deliver seamless, integrated banking and insurance solutions across lifecycle needs: payments, loans, savings, investments, pensions and non-life insurance.
• Focus on customer loyalty and simplicity through digital channels while preserving strong branch and advisory networks where clients value them.
• Operate with disciplined capital and risk management to ensure long-term financial resilience and attractive returns for shareholders.
• Embed environmental, social and governance (ESG) criteria across underwriting, lending and investment decisions to support sustainable economies.

• Benchmark in integrated bank-insurance across core markets rather than global scale expansion.
• Provide a unique combined customer experience that increases wallet share per customer and improves retention.
• Pursue sustainable and profitable growth - balancing top-line acquisition with prudent cost and risk controls.

• Market leadership targets: increase penetration in core retail and SME segments through cross-sell - measured by share-of-wallet and product-per-customer metrics.
• Digital adoption: raise active digital customers and mobile app usage (targets typically +x% year-on-year) while reducing branch cost per transaction.
• Profitability & capital: maintain CET1 well above regulatory minima and target mid-teens ROE over economic cycles via disciplined credit origination and insurer margin management.
• Sustainability: align lending and investment portfolios with EU taxonomy targets and set decarbonization pathways for high-emitting sectors.

• Concentration on core markets allows deeper customer relationships, tailored underwriting and regulatory alignment - supporting higher cross-sell and retention.
• Integrated bancassurance reduces customer acquisition costs and increases lifetime value; KBC measures success via combined banking-insurance product penetration rates.
• Capital and risk metrics (CET1, liquidity coverage) are prioritized to ensure continued lending capacity and insurer solvency through cycles.

KBC Group NV (KBC.BR) Vision Statement

• Performance - delivering on commitments and creating sustainable shareholder value through disciplined risk management and profitable growth.
• Empowerment - fostering creativity, talent development and decision-making autonomy across the organisation.
• Accountability - taking personal responsibility for outcomes and upholding a high standard of conduct.
• Responsiveness - acting readily and sympathetically to customer needs, with fast, pragmatic decision processes.
• Local Embeddedness - maintaining strong local branches and market knowledge while leveraging group-wide scale.
• Group-wide Cooperation (the "+") - enhancing collaboration across countries, business lines and functions to maximise client value.

• Integration into decision-making: PEARL+ guides credit decisions, product design, digital rollout and ESG-aligned initiatives.
• People practices: open feedback loops, diversity targets (including gender balance in leadership), learning & development programs and internal mobility schemes.
• Local-market execution: decentralised leadership with group standards ensures local relevance combined with group efficiency.
• Accountability & conduct: compliance, risk frameworks and remuneration policies align behaviour with long-term stakeholder interests.