Investor Presentaiton

KBC NET RESULT in m EUR 8 Group Centre BU (2) | Ireland 13 -282 -37 -15 21 21 33 33 • 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Organic volume trend Total loans** o/w retail mortgages Customer deposits*** Volume 8bn EUR 8bn EUR Growth q-o-q* Growth y-o-y -6% -14% -6% -14% 2bn EUR -20% -52% 37 of 74 ■ Net result of 33m EUR in 4Q22 Highlights (q-o-9) • Higher net interest income due mainly to higher reinvestment yields thanks to increasing interest rates and lower funding costs largely offset by a decrease of lending income due to a loan & deposit volume reduction and margin pressure Lower expenses due mainly to lower one-off costs as a result of the sales transaction in Ireland in 4Q22 (-5m EUR in 4Q22 versus -15m EUR in 3Q22) and lower ICT costs in 4Q22, partly offset by higher depreciations Net loan loss impairment reversals in 4Q22. Credit cost ratio of -0.07% in FY22 (1.43% in FY21) A positive one-off tax effect of 16m EUR as a result of the sales transaction in Ireland ■ Volume trend • Total customer loans fell by 6% q-o-q and by 14% y-o-y as a result of increased redemptions in 4Q22 Total customer deposits decreased by 20% q-o-q and by 52% y-o-y, as customers ended the banking relationship (as a result of the withdrawal from Ireland) * Non-annualised ** Loans to customers, excluding reverse repos (and bonds). Growth figures are excluding the sold NPL portfolio, FX, consolidation adjustments and reclassifications Customer deposits, excluding debt certificates and repos *** Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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