Investor Presentation 2Q/ 1H2023

* Relaxed regulatory ratios due to Covid 19 Pandemic Capital/ Liquidity Analysis CAR (Basel III) 17-Aug-2023 20.5% 12.0% 10.5% 16.6% 19.8% 13.0% 11.5% 11.8% 9.0% 1H 2021 1H 2022 ■Total CAR ■CET 1 ■Regulatory Requirement (CAR) LEVERAGE RATIO 101.0% NSFR 110.9% 100.6% 100% 90% 80% 1H 2023 1H 2021 1H 2022 1H 2023 ■NSFR ■Regulatory Requirement 10.0% 7.8% 10.1% LLL 3% 3% 3% 1H 2021 1H 2022 1H 2023 ■Leverage ratio Regulatory Requirement INVESTOR PRESENTATION 2Q/ 1H2023 LCR 100.3% 99.0% 90% 80% 1H 2021 ■LCR 1H 2022 ■Regulatory Requirement 170.4% 100% 1H 2023 13 KIB Copyright © 2023 by KIB. All rights reserved

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