The KBC Bank & Insurance Group is a leading bancassurance institution centered in Brussels, Belgium. Formed in June 1998 through the merger of Kredietbank, Cera Bank, and ABB Insurance, the group controls assets of over Euro 175 billion and has received strong credit ratings from agencies (Aa3 Moody's, AA Thomson Bank Watch, AA- Fitch IBCA, A+ S&P). The KBC group employs nearly 30,000 individuals in 31 countries.