Investor Presentaiton

KBC Czech Republic BU (3) Opex & impairments OPERATING EXPENSES in m EUR 270 238 Bank tax 225 50 60 214 204 206 191 183 0 1 237 Operating expenses 190 203 210 206 213 174 183 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 ASSET IMPAIRMENT in m EUR 2- -15 3 29 12 3 -9 -13 -30 -17 -12 -4 -56 -14 -23 -50 -50 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 30 29 29 48 O 16 -17 Opex excl. bank tax: +10% q-o-q and +12% y-o-y, excl. FX effect Q-o-q increase was due mainly to: 31 of 74 。 Higher staff expenses (wage drift) o Higher ICT cost o Higher marketing costs partly offset by: 。 Lower professional fees Y-o-y increase was chiefly the result of higher ICT costs, higher marketing expenses and higher depreciations, partly offset by lower professional fees and lower staff expenses, despite high inflation Adjusted for specific items, C/I ratio amounted to roughly 48% in FY22 (53% in FY21) ■ Loan loss and other impairment Loan loss impairment charges of 23m EUR in 4Q22 compared with 31m EUR in 3Q22. Besides an additional 16m EUR net impairment charge for geopolitical and emerging risks, there were loan loss impairment charges in 4Q22 mainly in the corporate and consumer finance portfolios Credit cost ratio amounted to 0.13% in FY22 (-0.42% in FY21) Other impairments ECL for geopolitical, emerging and Covid risks Impairments on financial assets at AC and FVOCI 3Q22 4Q22 . 6m EUR impairment on 'other' (mainly goodwill) • Impaired loans ratio amounted to 1.7%, 0.8% of which over 90 days past due Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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