Investor Presentaiton

Business profile KBC Highlights KBC GROUP BELGIUM BU CZECH REPUBLIC BU SLOVAKIA HUNGARY BULGARIA GROUP CENTRE Of which IRELAND GROUP CENTRE BU INTERNATIONAL MARKETS BU 4Q22 NET RESULT (in million euros) 818m 525m 159m 17m 104m 48m -35m 33m FY22 ROAC (in %) ALLOCATED CAPITAL (in %) 22% 22% 38% 18% 59% 16% 6% 7% 7% 5% 4% LOANS* (in billion euros) (q-o-q organic** growth loans) 186bn (0%) 117bn 35bn 11bn 6bn 9bn 8bn (0%) (0%) (+3%) (+1%) (+3%) (-6%) DEPOSITS*** (in billion euros) 226bn 145bn 49bn 8bn 9bn 12bn 2bn (q-o-q organic** growth deposits) (+2%) (+3%) (+1%) (+2%) (+3%) (+6%) (-20%) BRANCHES (end 4Q22) 420 201 110 195 266 CLIENTS (end 4Q22) 13m 3.8m 4.3m 0.8m 1.6m 2.4m Loans to customers, excluding reverse repos (and bonds) Volume growth excluding FX effects, divestments/acquisitions and reclassifications Customer deposits, excluding debt certificates and repos. Excluding the volatility in the foreign branches of KBC Bank (included in Belgium BU), customer deposits rose by 6% y-o-y both at KBC Group level as well as in Belgium BU 16 of 74 Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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