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Investor Presentaiton

KBC FIFV in m EUR FY 2022 | Higher FV gains and lower net other income FY22 406 145 245 Dealing room 162 67 80 113 95 & other income -14 \M2M ALM -197 derivatives MVA/CVA/FVA Overlay insurance ■ Net gains from financial instruments at fair value (406m EUR) Increased y-o-y attributable to o Higher dealing room o A less negative change in ALM derivatives o A positive change in market, credit and funding value adjustments partly offset by: 。 Lower net result on equity instruments (insurance) & other income 2021 NET OTHER INCOME in m EUR 223 -15% 2022 190 2021 2022 42 of 74 ■ Net other income (190m EUR) • Decreased from 223m EUR in FY21 to 190m EUR in FY22. This is somewhat lower than the normal run rate of 200m EUR per year due mainly to realised losses on the sale of bonds, largely offset by some positive one-off items (including a 68m EUR realised gain on the sale of a real estate subsidiary at KBC Insurance) Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding
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