Banque Nationale de Belgique (FRA:BKB) Effective Interest Rate on Debt %: 10.88% (As of Dec. 2025)


FRA:BKB Banque Nationale de Belgique SA FRA:BKB
26 GF Score
Price €353.00
! 1 Warning Sign
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What is Banque Nationale de Belgique Effective Interest Rate on Debt %?

Banque Nationale de Belgique FRA:BKB -2.49% 26 Effective Interest Rate on Debt % is 10.88% as of Dec. 2025. GuruFocus rates FRA:BKB with a GF Score™ of 26/100. The stock has 1 warning sign investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Banque Nationale de Belgique's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €5,889.60 Mil. Banque Nationale de Belgique's average total debt for the quarter that ended in Dec. 2025 was €54,149.00 Mil. Therefore, Banque Nationale de Belgique's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 10.88%.


Banque Nationale de Belgique  (FRA:BKB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Banque Nationale de Belgique Effective Interest Rate on Debt % Related Terms


Banque Nationale de Belgique Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Banque Nationale de Belgique's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banque Nationale de Belgique Effective Interest Rate on Debt % Chart

Banque Nationale de Belgique Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.81 2.32 17.12 17.67 10.88

Banque Nationale de Belgique Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.81 2.32 17.12 17.67 10.88

FRA:BKB vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Banque Nationale de Belgique's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Banque Nationale de Belgique Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Banque Nationale de Belgique's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Banque Nationale de Belgique's Effective Interest Rate on Debt % falls into.


FRA:BKB
26GF Score
Banque Nationale de Belgique SA FRA:BKB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Nationale de Belgique Effective Interest Rate on Debt % Calculation

Banque Nationale de Belgique's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -5889.6/( (53622.493+54675.502)/ 2 )
=-1  *  -5889.6/54148.9975
=10.88 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=53622.493 + 0
=53622.493

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=54675.502 + 0
=54675.502

Banque Nationale de Belgique's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -5889.6/( (53622.493+54675.502)/ 2 )
=-1  *  -5889.6/54148.9975
=10.88 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=53622.493 + 0
=53622.493

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=54675.502 + 0
=54675.502

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 10.88% mean?
Banque Nationale de Belgique (FRA:BKB) has a Effective Interest Rate on Debt % of 10.88% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banque Nationale de Belgique and its competitors.
Is Banque Nationale de Belgique's Effective Interest Rate on Debt % too high?
Banque Nationale de Belgique's current Effective Interest Rate on Debt % is 10.88%. Overall, Banque Nationale de Belgique has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Banque Nationale de Belgique's Effective Interest Rate on Debt % compare to PNC and USB?
Banque Nationale de Belgique's Effective Interest Rate on Debt % of 10.88% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Banque Nationale de Belgique and its competitors. Banque Nationale de Belgique's current Effective Interest Rate on Debt % is 10.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Nationale de Belgique stock overvalued right now?
Banque Nationale de Belgique (FRA:BKB) has a current Effective Interest Rate on Debt % of 10.88%. The current Effective Interest Rate on Debt % is 10.88%. Banque Nationale de Belgique's overall GF Score™ is 26/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Banque Nationale de Belgique (FRA:BKB), the current Effective Interest Rate on Debt % is 10.88% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Banque Nationale de Belgique Business Description

Other Exchanges BNB:Belgium
Address Boulevard de Berlaimont 14, Brussels, BEL, 1000
Banque Nationale de Belgique SA, or the National Bank of Belgium, is the country's central bank. The bank does not operate like other banks whose chief objective is profit maximization for its shareholders. Its primary aim is to maintain price stability as well as supervision of the Belgian financial sector and other related tasks in the national interest. The most notable portion of assets on the balance sheet include securities held for monetary policy purposes. Other notable assets include other securities and net claims related to the allocation of euro banknotes within the Eurosystem. Net interest income is the overwhelming majority of net revenue.
26GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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