Investor Presentaiton

KBC upcoming mid-term funding maturities TOTAL OUTSTANDING FUNDING MATURITY BUCKETS in % in m EUR 17% Covered bonds 0.7% 1.2% 1.1% 1.1% 0.6% 0.2% 0% % of KBC Group B/S 0.7% 4.500 Subordinated T2 11% 4.000 Subordinated T1 Total outstanding 8% 3.500 -1% \Senior unsecured 3.000 OpCo 20.1bn EUR 2.500 2.000 Senior unsecured 64% HoldCo 1.500 1.000 500 FY22 2023 2024 2025 2026 2027 2028 2029 ≥2030 FUNDING PROGRAM 4Q22 • In November 2022, KBC Group issued a senior Holdco benchmark for an amount of 1bn EUR with a 5-year maturity callable after 4 years. 70 of 74 KBC Bank has 6 solid sources of long-term funding: • Retail term deposits Retail EMTN Public benchmark transactions Covered bonds Structured notes and covered bonds using the private placement format Senior unsecured, T1 and T2 capital instruments issued at KBC Group level and down-streamed to KBC Bank EXPECTED MREL FUNDING PROGRAM in bn EUR Range 2.4bn-4.4bn EUR 4.40 1.42 2.40 Plan 2023 Realised 2023 We aim to issue 1 green/social bond per year Note: any change in regulatory requirements, RWA evolutions, MREL targets or market circumstances can change the current disclosed range In January 2023, KBC Group issued a senior Holdco benchmark of 1bn USD with a 6 years maturity callable after 5 years. Later in January, KBC Group also issued a subordinated Tier 2 of 500m EUR with a 10.25 years maturity callable after 5.25 years. (Both are not included in the above figures as not part of the 4Q2022 position). Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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