Investor Presentaiton

KBC KATE A data-driven organisation with KATE at the core Kate is more than an interface towards customers. It also refers to the Al-enhanced software at our center: the Kate brain. The Kate brain will be the driving force behind data-driven decision making, product design and development, marketing, commercial and sales steering and much more. So, Kate is not only steering the interaction with customer- facing touchpoints (digital, physical, remote) but also the product factories and decision makers by providing relevant insights. The Kate brain is fed by our own banking and insurance data- sources but also by data sources from third party services, resulting in seamlessly integrated, instant (STP) and scalable processes. Very important in this are the feedbacks loops from all interactions to make sure Kate is learning and getting smarter, resulting in better decision making. The main purpose remains the same: happy customers. As a data-driven company we remain guided by our client-centric vision. Another upside of being Al-powered and solution-driven, is that we not only save time (cost reductions), not only for the customer, and we improve our sales efforts (better sales productivity). Kate2You You2Kate Kate 3rd party Brokers 1 Data " L 55 of 74 "Feed the I machine" Data-driven one-to- one marketing Kate "Feed the machine" I I Kate4Employees Data-driven ... Data- driven Solution Design Insuranata O in O torporata dara 0 KBC Seamlessly integrated instant & scalable processes brain berking det ° parata dars O Data- driven decision making Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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