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KBC substantial and well-diversified government bond portfolio • • Carrying value of 52.4bn EUR in government bonds (excl. trading book) at end of FY22, primarily as a result of a significant excess liquidity position and the reinvestment of insurance reserves in fixed-income instruments Carrying value of GIIPS exposure amounted to 5.6bn EUR at the end of FY22 GOVERNMENT BOND PORTFOLIO - CARRYING VALUE* FY21/FY22 in % Portugal Other Netherlands Austria Germany 10% Belgium 1% 24% Italy 2% 1% Poland 3% Spain 5% 13% France 3% 1% 1% 52.0bn EUR FY21 Ireland 3% Bulgaria 7% 6% Slovakia Hungary Portugal Other Netherlands 10% Belgium Austria Germany 1% 20% Italy 2% 1% 1% 1% Poland 2% Spain 5% 52.4bn EUR FY22 France 10% 20% Czech Rep. 2% Ireland 4% Bulgaria 7% 5% Slovakia Hungary 24% Czech Rep. Carrying value is the amount at which an asset (or liability) is recognised: for those not valued at fair value this is after deducting any accumulated depreciation (amortisation) and accumulated impairment losses thereon, while carrying amount is equal to fair value when recognised at fair value 66 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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