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Investor Presentaiton

IBFS: REINFORCED LEADING POSITIONS IN 2022 Strategic priorities Main achievements 1 STRENGTHENING LEADERSHIP IN SELECTED MARKETS 2 ENHANCING BANCASSURANCE MODEL . Best bank in Czech Republic, Best foreign investment bank in Africa & Africa's best bank for sustainable finance . Delivering profitable growth in our geographies . Higher market shares in life insurance notably in France . Increased penetration rate in personal protection and property & casualty 3 CREATING THE LEADING GLOBAL SUSTAINABLE MOBILITY PLAYER . Main regulatory approvals obtained and success of ALD's rights issue in Dec. 2022 Preparatory work for the integration with a target closing date in Q1 23 . New partnerships - notably ALD with Mitsubishi HC Capital Inc. in Thailand & CGI-Hyundai JV 4 IMPROVING CLIENT EXPERIENCE AND EFFICIENCY Accelerated digitalisation - KB new digital bank, BRD app >1m users . Ongoing transformation - BRD 2025, SG Maroc (Jossour 25), sub-Saharan African platform SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 22
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