Investor Presentaiton

KATE Four flavors KBC 111 Kate4MassRetail Kate is a personal virtual assistant that engages with our retail customers to save them time and money. Kate engages both in a reactive way (You2Kate) and a proactive way (Kate2You). Growing number of retail USE CASES: BE: 258, CZ: 154, IM: 135 2 892 364 clients Kate AUTONOMY 56% BE 51% CZ Available in all KBC's core countries! Kate Group Platform already in contact with Kate (BE+CZ+IM) We do not build Kate for every country individually. Kate is built once at a group level and then deployed to all core countries (Kate in a box). Technically, we have set up a shared infrastructure on the cloud that allows us to share use cases, code and IT components maximally. Furthermore, KBC strives to have a common user interface and persona, so Kate looks and feels the same everywhere. Finally, everything that can be developed at group level is governed by a specific steering committee that develops and maintains the group Kate infrastructure. Four flavors, 帅 one Kate use cases for Micro-SME's: 21 in BE & 35 in CZ 'KATE IN A BOX' delivered to all core countries Total of 580K Leads picked up by employees in CZ & BE in 2022 Kate4Business Kate will also engage with our self-employed, micro-SME, SME and corporate clients with relevant and actionable insights that are personal and proactive. Already available in BE and CZ in a mobile environment. Web environment to follow soon Kate4Employees Kate will also have an impact on our employees: Kate will provide commercial steering towards our work force, she will augment our workforce to better serve our clients, Kate will serve as a back-up for our network and will automate certain administrative tasks. In doing so, employees can focus on providing even more added value to our client. This will also give tools to management to better coach employees and plan ahead. Already available in CZ and BE To be launched in HU, BG and SK (2H23) 54 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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