Investor Presentaiton

KBC Non-life and life sales significantly up y-o-y NON-LIFE SALES (GROSS WRITTEN PREMIUMS) in m EUR 645 590 446 450 487 486 466 435 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 COMBINED RATIO (NON-LIFE) in % 2021 2022 ■ Sales of non-life insurance products • Up by 7% y-o-y (growth in all countries and almost all classes, but chiefly in the classes 'Motor Comprehensive Cover' and 'Property', as a combination of volume and tariff increases) 9 of 74 ■ Non-life combined ratio for FY22 amounted to an excellent 89% (89% in FY21). This is the result of: 8% y-o-y higher earned premiums 4% y-o-y higher technical charges (higher normal claims and more negative impact of parameter updates were partly offset by lower major claims and lower storm claims) Lower ceded reinsurance result (down by 26m EUR y-o-y) • 78% 83% 82% 85% 87% 86% 89% 89% LIFE SALES in m EUR 1Q 1H 9M FY 724 541 544 298 471 494 Guaranteed 458 426 391 251 interest 223 254 215 330 products 225 222 425 Unit-linked 272 217 243 293 211 201 169 products 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 ■ Sales of life insurance products • Increased by 85% q-o-q due mainly to excellent sales of unit-linked products (up by 151% q-o-q due mainly to the successful launch of new structured funds in Belgium) and higher sales of guaranteed interest products (due chiefly to traditionally higher volumes in tax-incentivised pension savings products in Belgium) Increased by 34% y-o-y due mainly to higher sales of unit-linked products, partly offset by lower sales of guaranteed interest Sales of unit-linked products accounted for 59% of total life insurance sales in 4Q22 Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

View entire presentation