Investor Presentaiton

Cover ratios KBC COVER RATIO - BY IFRS9 ECL STAGE* in % 47.1% 48.2% 48.5% 49.5% 47.1% 44.7% 42.0% Stage 3 4.8% 1.3% 2.2% 1.8% 1.6% 1.7% 1.7% Stage 2 FY19 FY20 FY21 1Q22 1H22 9M22 FY22 In 2022, the higher Stage 3 cover ratio is driven mainly by the sale of non- performing mortgage loans of Ireland The q-o-q decrease of the Stage 3 cover ratio is driven mainly by inflow of stage 3 files with high collateral From 2H21, the decline of the Stage 2 cover ratio resulted mainly from collective shifts to Stage 2 (linked to the geopolitical and emerging risks, partly compensated in 2Q22 by the full release of the collective transfer of Covid) Aligned with the credit risk view of our loan portfolio as reported in the quarterly financial statements As of 1Q 2022, KBC Ireland has been shifted from International Markets BU to Group Centre BU. No restatements have been made As of 3Q 2022 including Raiffeisenbank Bulgaria with a coverage ratio of 64% at FY22 Highlights STAGE 3 COVER RATIO | BELGIUM BU in % 45.6% 41.7% 42.6% 43.0% 42.7% 42.6% 39.6% FY19 FY20 FY21 1Q22 1H22 9M22 FY22 STAGE 3 COVER RATIO | CZECH REPUBLIC BU in % 47.2% 48.7% 49.4% 47.2% 46.8% 48.2% 44.7% FY19 FY20 FY21 1Q22 1H22 9M22 FY22 STAGE 3 COVER RATIO | INTERNATIONAL MARKETS BU** in % 43.4% 32.7% 34.4% 43.7% 49.9% 44.8% 49.4% FY19 FY20 FY21 1Q22 1H22 9M22 FY22 68 of 74 Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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