Investor Presentaiton

KBC 2023 NII sensitivity 5.2bn NII EVOLUTION WITH PASS-THROUGH SENSITIVITY in bn EUR 0.2bn 0.1bn 0.2bn 4.8bn FY22 NII KBC Ireland disposal KBC Bank Bulgaria full annum TLTRO, ECB Tiering & negative FY22 NII like-for-like IR charging PT = Pass-Through rate; SA = Savings Accounts; TD = Term Deposits Highlights Profit & Loss Capital & Liquidity 0.9bn +0.15bn 5.7bn volume & margin impact FY23 NII sensitivity if 30% PT on EUR denominated 21 of 74 at 40% PT on SA and 80% on TD at KBC Group level SA* With 40% PT on non-EUR denominated SA and 80% on TD MREL & Funding Sustainability Asset quality Looking forward BU & FY22 view Company profile KBC Strategy

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