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Investor Presentaiton

KBC Fully loaded B3 CET1 from 3Q22 to 4Q22 (based on Danish Compromise) 17 of 74 Q-O-Q VARIANCE OF CET1 CAPITAL in bn EUR 16.9 +0.7 16.5 -0.7 +0.1 -0.0 +0.4 3Q22 (B3 DC) 4Q22 net result Dividend payout (excl. KBC Ins. due to Danish Compr.) Dividend payment KBC Ins to KBC Group Translation differences Other* 4Q22 (B3 DC) Q-O-Q VARIANCE OF RWA in bn EUR 110.2 0.2 -0.5 110.0 -0.0 3Q22 (B3 DC**) Volume growth Market RWA Other 4Q22 (B3 DC) Includes the q-o-q delta in deferred tax assets on losses carried forward, intangible fixed assets, AT1 coupon, remeasurement of defined benefit obligations, deduction pension plan assets, NPL shortfall etc. Includes the RWA equivalent for KBC Insurance based on DC, calculated as the historical book value of KBC Insurance multiplied by 370% Fully loaded B3 common equity ratio amounted to 15.4% at the end of FY22 based on the Danish Compromise Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding
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