Investor Presentaiton

KBC Long-term / 3-year financial guidance 3-year financial guidance* CAGR total income ('22-'25) + 6.0% CAGR OPEX excl. bank taxes ('22-'25) +1.8% Combined ratio Surplus capital ** ≤ 92% > 15% by 2025 by 2025 as of now as of now Our long-term financial guidance is based on the market forward rates of 3 February 2023 (for ST & LT interest rates). We took into account a pass-through rate of 40% on saving accounts and 80% on term deposits at KBC Group level. Note that IFRS17 impact is not yet taken into account. KBC estimates that the forward rates are on the conservative side. ** Fully loaded CET1 ratio, Danish Compromise Long-term financial guidance Credit cost ratio 25-30 bps through-the-cycle Regulatory requirements Overall capital requirement (OCR)* MREL as a % of RWA** MREL as a % of LRE** NSFR LCR Excluding Pillar 2 guidance of 100 bps ≥ 11.31% ≥ 27.87% ≥ 7.38% ≥ 100% ≥ 100% ** In December 2022, the SRB communicated the updated draft MREL targets (under BRRD2) for 01-01-2024 in % of RWA and in % of LRE by 2023 by 2024 by 2024 as of now as of now 22 of 74 Jaws of ± 4.2% → C/I ratio excl BT ±43% Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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