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Investor Presentaiton

KBC Wrap-up | KBC's engine firing on all cylinders Excellent financial performance net result ROE 818m in 4Q22 2864m in FY22 14% FY22 KATE convinces customers 23 of 74 Outstanding solvency and liquidity CET1 ratio 15.4% 3.6% buffer vs MDA SII ratio 203% NSFR 136% LCR 152% Franchise is growing FY22 loan FY22 customer deposits +8% volumes +7% y-o-y FY22 non- FY22 life sales y-o-y +6% y-o-y FY22 AM net inflows of direct client money +2.9bn y-o-y KATE users 2.9m FY22 KATE autonomy 56% 51% BE CZ life sales +8% y-o-y Of which 1.9m active users Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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