Investor Presentaiton

KBC Czech Republic BU (2) | Other income lines & cross-selling NET FEE & COMMISSION INCOME in m EUR 50 54 56 58 54 55 57 44 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 CROSS-SELLING RATIOS in % MORTGAGE & PROPERTY 50% 54% 55% ■ Net fee & commission income • -24% q-o-q and -22% y-o-y (both excl. FX effect) 30 of 74 • The lower q-o-q net F&C income was mainly the result of seasonally higher commissions paid linked to banking products, higher fee expenses in Retail and lower fees from payment services, partly offset by higher management fees and network income The lower y-o-y net F&C income was driven chiefly by lower management and entry fees, higher fee expenses in Retail and higher distribution costs linked to insurance products, partly offset by higher network income and higher securities-related fees ■ Assets under management • • 15.1bn EUR +5% q-o-q due to net inflows (+1%) and the positive market performance (+4%) +7% y-o-y due to net inflows (+11%) and the negative market performance (-3%) Insurance MORTGAGE & LIFE RISK CONS. FIN. & LIFE RISK • Insurance premium income (gross earned premium): 150m EUR 48% 46% 40% 42% 44% 39% 2020 2021 2022 2020 2021 2022 2020 2021 2022 Non-life premium income (106m EUR) +15% y-o-y excluding FX effect, due to growth in all products o Life premium income (44m EUR) -1% q-o-q and -11% y-o-y, excluding FX effect. The q-o-q decrease was entirely the result of lower sales of unit-linked products An excellent combined ratio of 83% in FY22 (87% in FY21) Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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