Interest income Interest received Income Arising from Non Life Insurance Contracts Earned premiums The amount of income arising from non-life insurance contracts. Expense Arising from Non Life Insurance Contracts Technical charges The amount of expense arising from non-life insurance contracts. Income Arising from Life Insurance Contracts Earned premiums The amount of income arising from life insurance contracts. Expense Arising from Life Insurance Contracts Technical charges The amount of expense arising from life insurance contracts. Ceded reinsurance result Dividend income Net Result from Financial Instruments at Fair Value Through Profit or Loss Net result from financial instruments at fair value through profit or loss The amount of net result from financial instruments at fair value through profit or loss. Net Realised Result from Debt Instruments at Fair Value Through Other Comprehensive Income Net realised result from debt instruments at fair value through OCI The amount of net realised result from debt instruments at fair value through other comprehensive income. Net fee and commission income Fee and commission income Fee and commission expense Other net income Operating expenses General administrative expenses Share in results of associated companies and joint ventures Income from associated companies and joint ventures Result before tax Income tax expense Net post-tax result from discontinued operations Net result for the period RESULT AFTER TAX of which relating to discontinued operations of which relating to discontinued operations Ordinary Diluted Fair value adjustments before tax Transfer from reserve to net result Reclassification Adjustments on Financial Assets Measured at Fair Value Through Other Comprehensive Income Related to Impairment Impairment The amount of reclassification adjustments on financial assets measured at fair value through other comprehensive income related to impairment. Reclassification Adjustments on Financial Assets Measured at Fair Value Through Other Comprehensive Income Related to Net Gains or Losses on Disposal Net gains/losses on disposal The amount of reclassification adjustments on financial assets measured at fair value through other comprehensive income related to Net gains/losses on disposal. Reclassification Adjustments on Financial Assets Measured at Fair Value Through Other Comprehensive Income Related to Deferred Taxes on Income Deferred taxes on income The amount of reclassification adjustments on financial assets measured at fair value through other comprehensive income related to deferred taxes on income. Reclassification Adjustments on Financial Assets Measured at Fair Value Through Other Comprehensive Income Related to Deferred Taxes on Income for Overlay Approach The amount of reclassification adjustments on financial assets measured at fair value through other comprehensive income related to deferred taxes on income for overlay approach. Deferred taxes on income Fair value adjustments before tax Transfer from reserve to net result Transfer From Reserve to Net Result Deferred Taxes on Income Related to Cash Flow Hedges Deferred taxes on income The amount of transfer from reserve to net result deferred taxes on income related to cash flow hedges.. Gross amount Fair value adjustments before tax Transfer from reserve to net result Net change in respect of associated companies and joint ventures Gross amount Other movements Fair value adjustments before tax Net change in own credit risk Fair value adjustments before tax Net change in respect of associated companies and joint ventures Remeasurements attributable to minority interests attributable to equity holders of the parent ASSETS Amortised cost Fair value through OCI Fair value through profit or loss of which held for trading Hedging derivatives Reinsurers’ share in technical provisions, insurance Tax Assets Tax assets The amount of tax assets comprising of current tax assets and deferred tax assets. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period. Deferred tax is the amount of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. Current tax assets Deferred tax assets Non-current assets held for sale and disposal groups Investments in associated companies and joint ventures Property and Equipment and Investment Property Property and equipment and investment property The amount of property and equipment and investment property. Goodwill and other intangible assets Other assets LIABILITIES AND EQUITY Fair value through profit or loss of which held for trading Hedging derivatives Technical provisions, before reinsurance Tax liabilities Tax Liabilities The amount of tax liabilities comprising of current tax liabilities and deferred tax liabilities. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period. Deferred tax is the amount of income taxes payable in future periods in respect of taxable temporary differences. Current tax liabilities Deferred tax liabilities Liabilities associated with disposal groups Provisions for risks and charges Other liabilities Parent shareholders’ equity Additional tier-1 instruments included in equity Minority interests Parent shareholders’ equity Issued and paid up share capital Share premium Treasury shares Retained earnings Reserve of Gains and Losses on Remeasuring Debt Instruments Measured at Fair Value Through Other Comprehensive Income [Member] Revaluation reserve (FVOCI debt instruments) This member stands for a component of equity representing accumulated gains and losses on remeasuring debt instruments measured at fair value through other comprehensive income. Revaluation reserve (FVOCI equity instruments) Hedging reserve (cashflow hedges) Translation differences Hedge of net investments in foreign operations Reserve of Hedge of Net Investments in Foreign Operations [Member] This member stands for a component of equity representing the hedges of net investments in foreign operations. Remeasurement of defined benefit plans Own credit risk through equity Total revaluation reserves Additional Tier 1 Instruments Included In Equity [Member] Additional tier-1 instruments included in equity This member stands for a component of equity representing an additional tier-1 instruments included in equity. Minority interests Consolidated statement of changes in equity Other comprehensive income for the period Capital increase Transfer from revaluation reserves to retained earnings upon realisation Purchase/sale of treasury shares Purchase Sale Of Treasury Shares The increase (decrease) in equity resulting from the purchase (sale or issue) of treasury shares. Change in minority interests OPERATING ACTIVITIES Adjustments for: Adjustments for Result Before Tax from Discontinued Operations Result before tax from discontinued operations Adjustments for result before tax from discontinued operations to reconcile profit (loss) to net cash flow from (used in) operating activities. Depreciation, impairment and amortisation of property and equipment, intangible fixed assets, investment property and securities Adjustments for Profit Loss on Disposal of Investments Profit/Loss on the disposal of investments Adjustments for profit (loss) on the disposal of investments to reconcile profit (loss) to net cash flow from (used in) operating activities. Change in impairment on loans and advances Adjustments for Change in Technical Provisions Before Reinsurance Change in technical provisions (before reinsurance) Adjustments for change in technical provisions (before reinsurance) to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments for Change in Reinsurers Share in Technical Provisions Change in the reinsurers’ share in the technical provisions Adjustments for change in reinsurers’ share in the technical provisions to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments for Change in Other Provisions Change in other provisions Adjustments for change in other provisions to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments for Other Unrealised Gains Losses Other unrealised gains/losses Adjustments for other unrealised (gains) losses to reconcile profit (loss) to net cash flow from (used in) operating activities. Income from associated companies and joint ventures Cashflows from operating profit before tax and before changes in operating assets and liabilities Changes in Operating Assets Excluding Cash and Cash Equivalents Changes in operating assets (excluding cash and cash equivalents) The changes in operating assets (excluding cash and cash equivalents). Adjustments For Decrease Increase In Financial Assets At Amortised Cost Excluding Debt Securities Financial assets at amortised cost (excluding debt securities) Adjustments for decrease (increase) in financial assets at amortised cost (excluding debt securities) to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income Financial assets at fair value through OCI Adjustments for decrease (increase) in financial assets at fair value through other comprehensive income to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments For Decrease Increase In Financial Assets At Fair Value Through Profit Or Loss Financial assets at fair value through profit or loss Adjustments for decrease (increase) in financial assets at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities. Hedging derivatives Adjustments For Decrease Increase In Operating Assets Associated With Disposal Groups And Other Assets Operating assets associated with disposal groups, and other assets Adjustments for decrease (increase) in assets associated with disposal groups, and other assets to reconcile profit (loss) to net cash flow from (used in) operating activities. Increase Decrease in Operating Liabilities Excluding Cash and Cash Equivalents Changes in operating liabilities (excluding cash and cash equivalents) The increase (decrease) in operating liabilities (excluding cash and cash equivalents). Adjustments For Increase Decrease In Financial Liabilities Amortised Cost Financial liabilities at amortised cost Adjustments for increase (decrease) in financial liabilities at amortised cost to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments For Increase Decrease In Financial Liabilities At Fair Value Through Profit Or Loss Financial liabilities at fair value through profit or loss Adjustments for increase (decrease) in financial liabilities at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities. Financial liabilities at fair value through profit or loss of which financial liabilities held for trading Hedging derivatives Adjustments for Increase Decrease in Technical Provisions Before Reinsurance Technical provisions, before reinsurance Adjustments for increase (decrease) in technical provisions, before reinsurance to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments For Increase Decrease In Operating Liabilities Associated With Disposal Groups And Other Liabilities Operating liabilities associated with disposal groups, and other liabilities Adjustments for increase (decrease) in operating liabilities associated with disposal groups, and other liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities. Income taxes paid Net cash from or used in operating activities INVESTING ACTIVITIES Purchase of debt securities at amortised cost Proceeds from the repayment of debt securities at amortised cost Purchase of shares in associated companies and joint ventures Proceeds from the disposal of shares in associated companies and joint ventures Purchase of investment property Proceeds from the sale of investment property Purchase of intangible fixed assets (excluding goodwill) Purchase of property and equipment Net cash from or used in investing activities FINANCING ACTIVITIES Purchase or sale of treasury shares Proceeds from Issue Repayments of Promissory Notes and Other Debt Securities Issue or repayment of promissory notes and other debt securities The cash inflow (outflow) from the issuing (repayments) of promissory notes and other debt securities. Proceeds from Issue or Repayments of Subordinated Liabilities Proceeds from or repayment of subordinated liabilities The cash inflow (outflow) from the issuing (repayments) of subordinated liabilities. Proceeds from the issuance of share capital Net cash from or used in financing activities Net increase or decrease in cash and cash equivalents Effects of exchange rate changes on opening cash and cash equivalents ADDITIONAL INFORMATION Dividends received (including equity method) COMPONENTS OF CASH AND CASH EQUIVALENTS Cash and cash equivalents belonging to disposal groups of which not available Earned premiums Technical charges Property and equipment and investment property Change in technical provisions (before reinsurance) Earned Premium Less Technical Charges Non Life Insurance Before Reinsurance Non-life insurance (before reinsurance) The amount of premiums earned (before reinsurance) on non-life insurance contracts after deduction of technical charges based on IFRS 4. Earned Premium Less Technical Charges Life Insurance Before Reinsurance Life insurance (before reinsurance) The amount of premiums earned (before reinsurance) on life insurance contracts after deduction of technical charges refer to IFRS 4. Ceded Reinsurance Result The amount of income (expenses) relating to ceded reinsurance result. Ceded reinsurance result Additional Tier 1 Instruments Included in Equity A component of equity representing the entity's additional tier-1 instruments. Additional tier-1 instruments included in equity Coupon on Additional Tier 1 Instruments Classified as Financing Activities The cash outflow for coupon paid on additional tier-1 instruments classified as financing activities. Coupon on additional tier-1 instruments Decrease Through Coupon on Additional Tier 1 Instruments Coupon on additional tier-1 instruments The decrease in equity resulting from coupon on additional tier-1 instruments. Deposits from banks repayable on demand Statement of compliance Summary of significant accounting policies Critical estimates and significant judgements Notes on segment reporting Net interest income Dividend income Net result from financial instruments at fair value through profit or loss Net fee and commission income Other net income Operating expenses Earnings per share Maximum credit exposure and offsetting Derivatives Other assets Investments in associated companies and joint ventures Goodwill and other intangible assets Other liabilities Retirement benefit obligations Parent shareholders’ equity and additional tier-1 instruments Non-current assets held for sale and discontinued operations (IFRS 5) Leasing Related-party transactions Statutory auditor’s remuneration Risk management and capital adequacy Post-balance-sheet events Primary Financial Statement [Table] In Accordance With International Accounting Standard 39 [Member] Under IAS 39 This member stands for the information reported in accordance with International Accounting Standard 39. Impact of overlay Illustration of the overlay approach Fair value adjustments before tax Reclassification of net result from financial instruments at FVPL to Revaluation reserve (FVPL equity instruments) – overlay approach, before tax Realised and unrealised results through OCI Borrowings Under Targeted Longer Term Refinancing Operations The cash inflow from the borrowings under Targeted longer-term refinancing operations III (TLTRO III), classified as operating activities. Borrowing under TLTRO III Revaluation reserve (FVOCI debt instruments) Net change in the hedging reserve (cashflow hedge) Remeasurements Net change in defined benefit plans Net change in translation differences Hedge of net investments in foreign operations Dividends paid Issue of promissory notes and other debt securities Repayment of promissory notes and other debt securities Final dividend paid, per share The amount of final dividend paid per ordinary share. Final dividend paid, per share Interim dividend paid, per share The amount of interim dividend paid per ordinary share. Interim dividend paid, per share Dividends paid Deferred tax on fair value changes Income tax expense (through profit or loss or OCI) Income tax expense (through profit or loss or OCI) Tax on change in revaluation reserve (FVPL equity instruments) – overlay approach Net change in defined benefit plans Transfer from Reserve to Net Result Deferred Taxes on Income Related to Hedge of Net Investments in Foreign Operations Deferred taxes on income The amount of deferred taxes on income from transfer from reserve to net result related to hedge of net investments in foreign operations. Reclassification Adjustments on Equity Instruments Measured at Fair Value Through Profit or Loss Related to Unrealised Results Through Profit or Loss for Overlay Approach The amount of reclassification adjustments on equity instruments measured at fair value through profit or loss related to unrealised results on disposal for overlay approach. Unrealised results through profit or loss Other Comprehensive Income Before Tax Application of Overlay Approach on Equity Instruments The amount of other comprehensive income, before tax, related to the application of the overlay approach on equity instruments. Realised and unrealised results through OCI Reclassification of net result from financial instruments at FVPL to Revaluation reserve (FVPL equity instruments) – overlay approach, before tax Other Comprehensive Income Fair Value Adjustments on Equity Instruments Measured at Fair Value Through Other Comprehensive Income, Net of Tax Application of Overlay Approach Total through profit or loss or OCI The net amount of other comprehensive income, related to fair value adjustments on equity instruments measured at fair value through profit or loss or other comprehensive income when applying the overlay approach, net of tax. Realised and unrealised changes in fair value recognised in ‘Net result from financial instruments at FVPL’ Other Comprehensive Income Fair Value Adjustments on Equity Instruments Measured at Fair Value Through Other Comprehensive Income Before Tax Application of Overlay Approach The amount of other comprehensive income, related to fair value adjustments of equity instruments measured at fair value through profit or loss or other comprehensive income when applying the overlay approach, before tax. Realised and unrealised changes in fair value recognised in ‘Net result from financial instruments at FVPL’ Fair value adjustments before tax Income Tax Relating to Application of Overlay Approach on Equity Instruments in Other Comprehensive Income The amount of income tax relating to amounts recognised in other comprehensive income on equity instruments in relation to the application of the overlay approach. Income tax expense (through profit or loss or OCI) Tax on change in revaluation reserve (FVPL equity instruments) – overlay approach Deferred tax on fair value changes Reclassification Adjustments on Application of Overlay Approach on Equity Instruments Before Tax The amount of reclassification adjustments related to the application of the overlay approach on equity instruments, before tax. Net realised result and impairment Transfer from reserve to net result Reclassification Adjustments on Equity Instruments Measured at Fair Value Through Profit or Loss Related to Impairment for Overlay Approach The amount of reclassification adjustments on equity instruments measured at fair value through profit or loss related to impairment for overlay approach. Impairment through profit or loss Impairment Impairment Reclassification Adjustments on Equity Instruments Measured at Fair Value Through Profit or Loss Related to Net Gains or Losses on Disposal for Overlay Approach The amount of reclassification adjustments on equity instruments measured at fair value through other comprehensive income related to related to net gains or losses on disposal for overlay approach. Realised results through profit or loss Net realised result Net gains/losses on disposal Impairment Other Impairment other The amount of other impairment loss recognised in profit or loss. Earnings per share (in EUR) Profit/loss on positions in portfolios hedged against interest rate risk Profit/loss on positions in portfolios hedged against interest rate risk Amortised cost Adjustments For Decrease Increase In Financial Assets Held For Trading At Fair Value Through Profit Or Loss Financial assets at fair value through profit or loss of which financial assets held for trading Adjustments for decrease (increase) in financial assets held for trading at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities. Interest expense Interest paid Interest paid Term loans to banks at not more than three months (excluding reverse repos) Reverse repos up to three months with credit institutions and investment firms Gross dividend proposed, per share In Accordance With I F R S 9 Without Overlay [Member] Under IFRS 9 without overlay (FVPL option) This member stands for the information reported in accordance with IFRS 9 without overlay (FVPL option). Net interest income attributable to minority interests attributable to equity holders of the parent Dividend Payable Per Share Dividend payable, per share The amount of ordinary dividend payable per ordinary share. Net change in revaluation reserve (FVOCI equity instruments) Net change in revaluation reserve (FVOCI equity instruments) Impairment Reclassification Adjustments On Equity Instruments Measured At Fair Value Through Profit Or Loss Related To Realised And Unrealised Changes For Overlay Approach Before Tax Realised and unrealised changes in fair value recognised in ‘Net result from financial instruments at FVPL’ The amount of reclassification adjustments on equity instruments measured at fair value through profit or loss related to realised and unrealised results for overlay approach, before tax. Cash Cash Balances with Central Banks and Other Demand Deposits with Credit Institutions Cash and cash balances with central banks and other demand deposits with credit institutions The amount of cash, cash balances with central banks and other demand deposits with credit institutions. Cash, cash balances with central banks and other demand deposits with credit institutions Gross Dividend Per Share The amount of gross dividend to be distributed per ordinary share. Gross dividend proposed, per share N Ns Bulgarian Pension and Life Insurance Business [Member] NN’s Bulgarian pension and life insurance business This member stands for the NN’s Bulgarian pension and life insurance business. Adjustments for Depreciation Impairment and Amortisation of Property and Equipment Intangible Fixed Assets Investment Property and Securities Adjustments for depreciation, impairment and amortisation of property and equipment, intangible fixed assets, investment property and securities to reconcile profit (loss) to net cash flow from (used in) operating activities. Depreciation, impairment and amortisation of property and equipment, intangible fixed assets, investment property and securities Financial Assets Excluding Cash Cash Balances With Central Banks and Demand Deposits Financial assets The amount of financial assets excluding cash, cash balances with central banks and demand deposits. General information on the company Subsidiaries, joint ventures and associated companies Fair value of financial assets and liabilities – general Description of Accounting Policy for Overlay Approach [Explanatory] The description of the entity's accounting policy for overlay approach. Overlay approach Description of Accounting Policy for Events After Reporting Period [Explanatory] The description of the entity's accounting policy for events after the reporting period. Events after the reporting period General / Basic principle Financial assets Financial assets – impairment Financial liabilities Reverse repos and repos Offsetting Fair value Hedge accounting Insurance contracts Leasing Employee benefits Net fee and commission income Government grants Income tax Property and equipment Investment property Intangible assets Impairment of non-financial assets Business combinations and goodwill Related-party transactions Non-current assets held for sale and disposal groups, liabilities associated with disposal groups and discontinued operations Consolidated financial statements / interim financial statements Main changes in the scope of consolidation Tax assets and tax liabilities Details of provisions for other risks and charges Business combinations Classification and measurement – derivatives (trading and hedging) Discontinued operations Financial liabilities – financial guarantee contract Financial assets and Financial liabilities Intangible assets other than goodwill Impairment of assets Segment reporting based on the management structure Classification and measurement – equity instruments Non-current assets held for sale and disposal groups, liabilities associated with disposal groups Reclassifications Disclosure of General Information on Company Explanatory General information on the company The entire disclosure for general information on the company. Cash, cash balances with central banks and other demand deposits with credit institutions Cash, cash balances with central banks and other demand deposits with credit institutions Classification and measurement – debt instruments Equity Deferred tax assets/liabilities Effects of changes in foreign exchange rates Off-balance-sheet commitments and financial guarantees given and received Insurance results Reclassification of net result from financial instruments at FVPL to Revaluation reserve (FVPL equity instruments) – overlay approach, after tax Net change in the ‘revaluation reserve (FVPL equity instruments) – overlay approach’ Revaluation reserve (FVPL equity instruments) – overlay approach Bulgarian Operations of Raiffeisenbank Member Bulgarian operations of Raiffeisenbank (now renamed KBC Bank Bulgaria) This member stands for the Bulgarian operations of Raiffeisenbank (now renamed KBC Bank Bulgaria). Acquisition of Property Company Member Acquisition of a property company This member stands for the acquisition of a property company. Repayments of Borrowings Under Targeted Longer Term Refinancing Operations The cash outflow for repayment of the borrowings under Targeted longer-term refinancing operations II (TLTRO II), classified as operating activities. Repayment of the amount borrowed under TLTRO II Repayment of the amount borrowed under TLTRO II Proceeds from sale of KBC Verzekeringen Vastgoed Nederland BV Acquisition Of Subsidiary Or Business Unit Net Of Cash Acquired Classified As Investing Activities Acquisition of a subsidiary or a business unit, net of cash acquired (including increases in percentage interest held) The aggregate cash inflows (outflows) from losing (obtaining) control of subsidiaries or other businesses, classified as investing activities. Proceeds From Payment for Issue of Additional Tier 1 Instruments The cash inflow (outflow) from issuing of (payment for) additional tier-1 instruments. Issue of additional tier-1 instruments Notes to consolidated financial statements Net Result from Financial Instruments at Fair Value Through Profit or Loss Related to Equity Instruments Overlay Approach of which result on equity instruments (overlay approach) The amount of net result from financial instruments at fair value through profit or loss related to equity instruments (overlay approach). Insurance results Disclosure Of Impact Of War In Ukraine And Of Coronavirus Crisis Explanatory The entire disclosure for impact of the war in Ukraine and of the coronavirus crisis. Disclosure of Technical Provisions Insurance Explanatory Technical provisions, insurance The entire disclosure of technical provisions, insurance.