Investor Presentaiton

KBC Key takeaways | Excellent net result of 818m EUR over 4Q22 Excellent 4Q22 net result of 818m EUR NET RESULT in m EUR 2 of 74 Highlights Commercial bank-insurance franchises in core markets performed excellently Customer loans and customer deposits increased y-o-y in all our core countries (on a comparable basis) • All KBC banking activities will subject its existing climate targets to SBTI • Higher net interest income q-o-q 793 811 818 776 663 557 601 458 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 YTD ratios Return on Equity 14% Cost-income ratio excluding bank taxes 48% Combined ratio 89% Credit cost ratio 0.08% CET1 ratio 15.4% (B3, DC, fully loaded) Leverage ratio 5.3% (fully loaded) NSFR 136% & LCR 152% . • . • Lower net fee and commission income q-o-q Q-o-q increase of net result from financial instruments at fair value and net other income Strong sales of non-life insurance y-o-y and strong sales of life insurance (both q-o-q and y-o-y) Costs excl. bank taxes increased q-o-q Higher net impairment charges Solid solvency and liquidity Updated financial guidance (see slides 20-22) Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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