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Diversified loan portfolio KBC TOTAL LOAN PORTFOLIO OUTSTANDING - BY SECTOR as % of total Group loan portfolio outstanding" Mortgages Consumer Finance 3.5% Services Distribution Real Estate Finance and insurance Other (0.5% share) Building & construction Authorities 9.9% 8.2% 6.3% 5.9% 4.6% 4.2% 3.1% Agriculture, farming & fishing 2.8% Automotive 2.5% Food producers 1.7% Electricity 1.7% Metals 1.6% Chemicals 1.4% Machinery & heavy equipment Oil, gas & other fuels 0.9% 0.9% Hotels, bars & restaurants 0.7% Shipping 0.7% 39.6% Retail SME & Corporate Total loan portfolio outstanding 206bn EUR Group level** TOTAL LOAN PORTFOLIO OUTSTANDING - BY SEGMENT as % of total Group loan portfolio outstanding* Corporate 35.9% Retail 43.2% 20.9% SME TOTAL LOAN PORTFOLIO OUTSTANDING - BY GEOGRAPY as % of total Group loan portfolio outstanding* Other CEE Other*** Other W-Eur 3.8% Ireland 7.0% 0.4% 4.0% Hungary 3.6% Bulgaria 4.5% Slovakia 5.8% Czech Rep. 18.2% Aligned with the credit risk view of our loan portfolio as reported in the quarterly financial statements Including loan portfolio of KBC Bank Ireland and KBC Bank Bulgaria as of 3Q22 (+4.5bn EUR at YE22). The pro-forma total loan portfolio outstanding without KBC Bank Ireland amounts to 198bn EUR. 'Other' includes 0.01% of the outstanding portfolio to Russia and Ukraine Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy 52.7% Belgium 65 of 74 Sustainability Asset quality MREL & Funding

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