KBC Bank N.V.

KBC Bank N.V. is the main banking subsidiary of KBC Group NV, a Belgian bancassurance group formed in 1998 through the combination of Kredietbank, CERA Bank and ABB Insurance, and is headquartered in Brussels. The bank provides retail, SME and corporate banking services including current and savings accounts, cards and payments, consumer and mortgage lending, business lending, trade finance, cash management, treasury and capital markets services, as well as custody and wealth solutions in cooperation with KBC Asset Management; insurance is offered within the group by KBC Insurance. In Belgium it serves clients under the KBC and KBC Brussels brands (within KBC Group, CBC Banque serves French‑speaking regions). Outside Belgium, KBC’s banking activities are concentrated in Central and Eastern Europe through group subsidiaries such as ČSOB (Czech Republic and Slovakia), K&H Bank (Hungary) and United Bulgarian Bank (Bulgaria); KBC exited retail banking in Ireland, with the sale of most portfolios completed in 2023. KBC Bank N.V. offers online and mobile banking, SEPA payments and PSD2‑compliant APIs; international transfers use SWIFT/BIC KREDBEBB. It is a licensed credit institution supervised by the European Central Bank and the National Bank of Belgium under the Single Supervisory Mechanism, with resolution oversight by the Single Resolution Board. Deposits held with KBC Bank N.V. in Belgium are covered by the Belgian deposit guarantee up to EUR 100,000 per depositor per bank; eligible investment claims may be protected by the investor compensation scheme up to EUR 20,000, subject to legal limits and conditions. Account opening and services are subject to identification, eligibility and AML/KYC checks. The bank publishes IFRS financial statements and Pillar 3 disclosures; its earnings and risk profile are primarily linked to Belgium and selected Central and Eastern European markets.