Investor Presentaiton

KBC NET RESULT in m EUR Czech Republic BU (1) | Net result & NII 237 209 198 207 197 168 159 123 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 NET INTEREST INCOME in m EUR 326 340 292 325 323 215 220 244 1Q21 2Q21 29 of 74 ■ Net result of 159m EUR in 4Q22 -20% q-o-q excluding FX effect due mainly to lower net interest income, lower net fee & commission income, lower net result from financial instruments at fair value, lower non-life and life insurance result (both incurred higher technical charges due to a release of technical provisions in 3Q22) and higher costs, partly offset by higher net other income and slightly lower net impairment charges Customer deposits (excluding debt certificates and repos) rose by 7% y-o-y, while customer loans rose by 5% y-o-y ■ Net interest income -2% q-o-q and +6% y-o-y (both excl. FX effect) Q-o-q decrease was mainly the result of higher pass-through on the deposit side and pressure on commercial loan margins (mainly on mortgages and corporate loans), partly offset by increased income related to funding, higher positive impact of ALM FX swaps and slightly higher NII on insurance bond portfolio Y-o-y increase was primarily due to increasing interest rates, growth in loan and deposit volumes and increased income related to funding, despite pressure on commercial loan margins and higher pass-through on the deposit side ■ Net interest margin Fell by 5 bps q-o-q and rose by 11 bps y-o-y for the reasons mentioned above and an increase in the interest-bearing assets (denominator), both q-o-q and y-o-y • 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 NET INTEREST MARGIN in % 1.99% 1.97% 2.08% 2.29% 2.65% 2.70% 2.45% 2.40% 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Organic volume trend Total loans** o/w retail mortgages Customer deposits** Volume 35bn EUR 20bn EUR 49bn EUR Growth q-o-q* Growth y-o-y 0% +5% +1% +4% +1% +7% * Non-annualised ** Loans to customers, excluding reverse repos (and bonds). Growth figures are excluding 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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