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Investor Presentaiton

KBC Highlights Company profile KBC Group in a nutshell (1) We want to be among Europe's best performing financial institutions! By achieving this, KBC wants to be the reference in bank-insurance in its core markets We are a leading European financial group with a focus on providing bank-insurance products and services to retail, SME and mid-cap clients, in our core countries: Belgium, Czech Republic, Slovakia, Hungary and Bulgaria 45 of 74 • As a result of the withdrawal from Ireland, arising M&A opportunities beyond our core markets may be assessed (for approval of the Board of Directors) taking into account very strict strategic, financial, operational & risk criteria Diversified and strong business performance • geographically Mature markets (BE, CZ) versus developing markets (SK, HU, BG) Robust market position in all key markets & strong trends in loan and deposit growth and from a business point of view An integrated bank-insurer Strongly developed & tailored AM business Strong value creator with good operational results through the cycle Unique selling proposition: in-depth knowledge of local markets and profound relationships with clients Integrated model creates cost synergies and results in a complementary & optimised product offering Broadening 'one-stop shop' offering to our clients n 件 KBC GROUP TOPLINE DIVERSIFICATION Diversification Diversificatio Synergy in % Synergy i Customer Centricity Customer Centricity 47% 48% 47% 50% 49% Other income 53% 52% 53% 50% 51% Net interest income 2018 2019 2020 2021 2022 Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding
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