Investor Presentaiton

KBC FY 2022 | Net impairment charges and excellent CCR ASSET IMPAIRMENT in m EUR; negative sign is a release 284 130 Other impairments 73 160 ECL for geopolitical, 158 -4 assets at AC and FVOCI -494 emerging and Covid risks Impairments on financial FY22 44 of 74 ■ Net impairment charges amounted to 284m EUR (compared with net impairment • • releases of 261m EUR in FY21). This was attributable chiefly to A 413m EUR geopolitical & emerging risk buffer A 255m EUR reversal of collective Covid-19 impairments in FY22 One-off loan loss impairments of 17m EUR as a result of the two pending sales transactions in Ireland 21m EUR net loan loss provision reversals on some individual files Impairment of 130m EUR on 'other', of which o 63m EUR modification losses in Hungary o A 24m EUR one-off as a result of the two pending sales transactions in Ireland 。 A 38m EUR impairment, mainly on (in)tangibles (in other countries besides Ireland) o A 5m EUR goodwill impairment in CZ BU -261 2021 2022 CREDIT COST RATIO ECL for geopolitical, emerging and Covid risks in % CCR without ECL for geopolitical, emerging and Covid risks 0.60% 0.23% 0.44% 0.09% 0.12% 0.09% 0.08% 0.16% 0.08% 0.00% -0.06% -0.04% -0.27% FY15 FY16 FY17 FY18 FY19 FY20 -0.18% FY21 FY22 IMPAIRED LOANS RATIO in % ■ The credit cost ratio in FY22 amounted to: • Obps (9bps in FY21) without ECL for geopolitical, emerging and Covid risks 8bps (-18bps in FY21) with ECL for geopolitical, emerging and Covid risks The impaired loans ratio improved to 2.1% (1.1% of which over 90 days past due) 8.6% 7.2% 6.0% 4.3% 3.5% 3.3% 2.9% FY15 FY16 FY17 FY18 FY19 FY20 FY21 2.1% FY22 Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding Highlights

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