Investor Presentaiton

X RBBG - Key Highlights Attractive Franchise with High-Quality Assets and Strong Profitability Attractive Client Franchise . Footprint: universal banking franchise active in all core products & ancillaries • Market position: attractive market shares across all products • Micro Business: differentiated approach to customer segment Customer satisfaction: strong NPS across all segments Loan M/S: 8.4% Deposit M/S: 7.6% NPS Score: 76 Highly Digitalised Distribution Strategy . Mobile penetration: >30% of existing customer base Digital sales: ~20ppts increase over L3Y Digital Loan Sales: 28% Branches: 122 Raiffeisen BANK Bulgaria Attractive Financial Profile Strong track record of growth in the Bulgarian market... ...While simultaneously delivering attractive shareholder returns... ...And remittances to its current parent 12% Loan Growth L3Y @~15% ROATE 1 . High-Quality Loan Portfolio Attractive, well-balanced, high quality loan portfolio... ...With low levels of well-provisioned NPE NPE Ratio: 2.5% NPE Coverage: 122% (H1'21 figures) Employer of Choice . Strong talent base with consistently high employee engagement • 9% CAGR of employee engagement levels since 2014 • Market leading employee satisfaction levels 2021 Best Employer in Banking Award Source: Company data 1 ROATE Return on Average Tangible Equity 8 KBC

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