Investor Presentaiton

KBC Strong capital position with substantial buffer to MDA 18 of 74 CAPITAL REQUIREMENTS AND DISTANCE TO MAXIMUM DISTRIBUTABLE AMOUNT (MDA) RESTRICTIONS AS AT 31 DEC 22 (FULLY LOADED, B3) in % Regulatory requirement KBC Group 15.4 12.3 AT1 1.8 10.5 (incl. P2R) CBR 5.0 P2R 1.0 CET1 10.5 Pillar I 4.5 18.4 16.8 1.4 1.6 Tier 2 AT1 1.4 AT1 14.8 Tier 2 (incl. P2R) 2.5 15.4 CET1 15.4 CET1 Tier 1 12.3 P2R 1.86% ( Pillar II requirement) 1.05% to be met with CET1, 35bps eligible for AT1 and 46bps for Tier 2 CBR 4.95% (= Combined buffer requirement) 2.50% Capital conservation buffer 1.50% O-SII buffer 0.75% Countercyclical buffer 0.20% Systemic risk buffer OCR (11.3%) buffer 4.1% MDA buffer 3.6% lowest of the buffers between available and required (i) CET1 capital, (ii) Tier 1 capital and (iii) Total capital MDA 11.8% i.e. the net of the CET1 ratio (15.4%) and the MDA buffer (3.6%) CET1 capital Tier 1 capital Total capital 4.9% 4.4% 3.6% Distance to MDA restrictions 5,396m EUR 4,862m EUR 3,933m EUR Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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