Investor Presentaiton

KBC Strategy Differently: the next level Differently: NEXT LEVEL We diversify our income Bank-insurance remains key However, we reduce our dependency on interest income by increasing our insurance income and our fee income оо We build our future capabilities The future is continuously changing So we have to adapt quickly This means we prepare ourselves by acting on trends in our daily bank-insurance activities and through small investments and experiments We make smart decisions so we don't waste money KBC bank-insurance role in society هي sustainable profitable growth pearl client centricity Go We think local. We create together We always keep the needs of our local clients in mind We avoid duplication by copying and sharing ideas We develop shared solutions in communities And we take advantage of our scale in non-client facing activities Because collaboration allows us to deliver a better, faster service to our clients Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view We think client. We act digital We design for a digital world even when we are selling face to face This digital way of working makes us even more responsive and sets us apart from the competition Our clients want simple, hassle-free solutions So we simplify our processes and procedures to facilitate that We partner We improve our solutions to meet our dients' needs by collaborating with partners, like fintechs and even competitors and creating an IT environment partners can easily plug in and out of We embrace artificial intelligence We change our interaction with our dients over time Technical innovation will help us advise our clients even better Because human interaction and artificial intelligence reinforce each other 49 of 74 Company profile KBC Strategy Sustainability Asset quality MREL & Funding

View entire presentation