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Investor Presentaiton

KBC strong and growing customer funding base KBC Bank continues to have a strong retail/mid-cap deposit base in its core markets - resulting in a stable funding mix with a significant portion of the funding attracted from core customer segments and markets Stable % in customer funding compared to balance sheet total (but net growth in customer funding in absolute terms) KBC Bank participated to the TLTRO III for a remaining exposure of 15.4bn EUR which is reflected in the 'Interbank Funding' item below FUNDING BASE in % zoom on customer funding Interbank Funding 10% 11% 10% 8% 8% 13% 13% -1% Secured Funding -0% 3% 4% 2% 6% 7% 1% -1% 6% CUSTOMER FUNDING Debt issues placed at 6% 6% 7% 8% institutional relations 8% 8% CUSTOMER FUNDING in bn EUR 7% in % 8% 8% 8% 8% 4% 3% Total Equity 7% olo 2% 2% Certificates of deposit 7% 9% 5% Government and PSE 12% Mid-cap 71 of 74 72% 73% 69% 70% 69% 227 Customer funding 63% 63% 83% Retail and SME 193 201 176 156 164 144 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY22 FY16 FY17 FY18 FY19 FY20 FY21 FY22 Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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