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KBC Leverage ratio, Solvency II ratio and liquidity ratios LEVERAGE RATIO | KBC GROUP fully loaded, Basel 3 SOLVENCY II RATIO | KBC INSURANCE leverage ratio 5.3% FY22 5.2% in 9M22 SII ratio 203% FY22 227% in 9M22 LIQUIDITY RATIOS | KBC GROUP LCR 152% FY22 155% in 9M22 19 of 74 NSFR 136% FY22 140% in 9M22 Slight q-o-q increase of the leverage ratio Note that as of 1Q22, interim profit is recognised (based on 50% profit accrual) The q-o-q delta (-24pp) in the Solvency II ratio was driven mainly by inverted EUR interest rate curves and higher equity markets Both LCR* and NSFR** were well above the regulatory requirement of 100% due to a strong growth in customer funding and the participation to TLTRO II| * Net Stable Funding Ratio (NSFR) is based on KBC Bank's interpretation of the proposal of CRR amendment. ** Liquidity Coverage ratio (LCR) is based on the Delegated Act requirements. From EOY2017 onwards, KBC Bank discloses 12 months average LCR in accordance with EBA guidelines on LCR disclosure. Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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