Investor Presentaiton

GC BU KBC Main exceptional items IM BU BE BU 4Q22 3Q22 4Q21 Non-Life technical charges - flood impact above legal limit Dividend inc-final liquidation dividend of real estate participation Total Exceptional items BE BU -7m EUR +12m EUR +12m EUR -7m EUR SK NOI - Provision for legacy legal files -7m EUR HUBK TAX - Recovery of extraordinary Deposit Guarantee Fund +14m EUR HU-Impairments - Modification losses -25m EUR -24m EUR -1m EUR - BG Opex one-off integration costs Raiffeisenbank Bulgaria -5m EUR -6m EUR BG Opex-one-off EUR adoption costs -1m EUR Total Exceptional items IM BU -24m EUR -30m EUR -1m EUR - IRL Sales transaction(s) +9m EUR +9m EUR -44m EUR (Opex -5m, Imp. -2m, tax +16m in 4Q22) IRL NOI - Additional impact for the tracker mortgage review NOI Badwill on OTP SK - NOI - Legacy legal file -4m EUR +28m EUR +6m EUR TAX-DTA impact due to increased UK corporate tax rate +15m EUR Total Exceptional items GC BU +24m EUR +9m EUR Total Exceptional items Om EUR Total Exceptional items (post-tax) +4m EUR -9m EUR -8m EUR -14m EUR Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding -22m EUR -21m EUR 6 of 74

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