Investor Presentaiton

KBC Company profile Well-defined core markets BELGIUM BU 61% of assets 3.8m clients GDP GROWTH in %, KBC Economics debt to GDP ratio 106% 420 branches 6.2% 3.1% 0.2% 2021 2022e 2023e MARKET SHARE in %, end 2022 28% 20% 12% 9% loans and investment deposits funds life insurance non-life insurance 117bn EUR loans 145bn EUR deposits CZECH REPUBLIC BU 48 of 74 INTERNATIONAL MARKETS BU SK 4% of assets 0.8m clients 110 branches HU 4% of assets 1.6m clients 195 branches 11bn EUR loans 8bn EUR deposits 6bn EUR loans 9bn EUR deposits BG 3% of assets 2.4m clients 266 branches 9bn EUR loans 12bn EUR deposits GDP GROWTH 2021-2022e-2023e in %, KBC Economics 7.1% 4.9% 3.9% 3.5% 3.0% 0.3% 1.5% 0.6% 0.7% SK debt/GDP 62% HU debt/GDP 74% BG debt/GDP 23% MARKET SHARE in %, end 2022 GDP GROWTH in %, KBC Economics 20% of assets 4.3m clients debt to GDP ratio 44% 26% 19% 12% 2% 11% 11% 3% 14% 12% 7% 5% 7% 201 branches 3.5% 2.5% SK HU 0.3% 2021 2022e 2023e L&D funds life non- L&D funds life non- L&D funds life non- life life life * Pro forma incl. acquisition of Raiffeisenbank Bulgaria BG* MARKET SHARE in %, end 2022 21% 24% loans and investment deposits funds 7% life insurance 9% non-life insurance 35bn EUR loans 49bn EUR deposits Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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