Investor Presentaiton

KBC KATE KBC's hyper personalised and trusted digital assistant 帅 Kate 'No hassle, no friction, zero delay' PERSONALISED & DATA DRIVEN The interaction between the customer and Kate will be triggered by data analysis (approval granted by customer). Kate will be trained on the basis of the customer's profile, preferences and activities DIGITAL FIRST & E2E We will offer the client a frictionless End2End digital process and in doing so make bank/insurance simple and hassle free SERVING: SECURE & FRICTIONLESS Kate will help the client saving time and/or money, focusing more on the convenience factor. Kate will also serve the client regarding security and fraud Johan Thijs RELEVANT & VALUABLE OFFER Kate will only propose offers where sufficient added value is shown or when she can serve the client in an important moment in the client's live میرا AT THE RIGHT TIME Lead journeys driven by time or location are preferably taken care of by Kate, as notifications linked to a specific location or specifying moment in time are perceived as highly personal VOLUME We want all our clients to meet Kate as much as possible. Kate will allow us to reach out to a sufficient volume of clients, in terms of transactions and in terms of number of targetable audience 53 of 74 Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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