Investor Presentaiton

KBC Net loan loss impairment charges & excellent credit cost ratio ASSET IMPAIRMENT in m EUR; negative sign is a release 21 22 888 Other impairments ECL for geopolitical, emerging and Covid risks Impairments on financial assets at AC and FVOCI 101 132 23 51 193 28 22 19 103 42 46 37 18 40 O 17, 14 -26 -50 -1 -33 -24 -79 -129 -260 -77 -16 -123 -45 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 13 of 74 ■ Net loan loss impairment charges on lending book combined with an increased geopolitical & emerging risk buffer Net loan loss impairment charges of 82m EUR in 4Q22 (compared with 79m EUR in 3Q22) due to: o 40m EUR net loan impairment charges on lending book o An increase of 42m EUR due to the uncertainties surrounding geopolitical and emerging risks o Total outstanding ECL for geopolitical and emerging risks now stands at 429m EUR (see details on next slide) 51m EUR impairment on 'other', due mainly to: 。 25m EUR modification losses related to the interest cap regulation in Hungary (19m EUR for SMEs and an additional 6m EUR for retail mortgages) o A 21m EUR impairment on (in)tangibles o A 5m EUR goodwill impairment in the Czech Republic CREDIT COST RATIO in % ECL for geopolitical, emerging and Covid risks CCR without ECL for geopolitical, emerging and Covid risks 0.60% 0.44% 0.23% 0.09% 0.12% 0.09% 0.08% 0.16% 0.08% 0.00% -0.06% -0.04% -0.27% FY15 FY16 FY17 FY18 FY19 FY20 -0.18% FY21 FY22 IMPAIRED LOANS RATIO in % 3.3% 3.2% 3.1% 2.9% 2.3% 2.2% 2.0% 2.1% 3Q22 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 Profit & Loss Capital & Liquidity Highlights Looking forward ■ The credit cost ratio in FY22 amounted to: • 0 bps (9 bps in FY21) without ECL for geopolitical, emerging and Covid risks 8 bps (-18 bps in FY21) with ECL for geopolitical, emerging and Covid risks The impaired loans ratio amounted to 2.1% (1.1% of which over 90 days past due) 4Q22 BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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