Investor Presentaiton

KBC NET RESULT in m EUR International markets BU (1) | Highlights 169 147 48 61 牛 32 of 74 ■ Net result of 169m EUR (Slovakia 17m EUR, Hungary 104m EUR, Bulgaria 48m EUR) ■ Highlights (q-o-q) • Higher net interest income. NIM 3.18% in 4Q22 (+7 bps q-o-q and +49 bps y-o-y) 140 30 33 13 56 88 74 Bulgaria 22 29 17 52 104 • Ireland 8 75 62 62 46 35 30 Hungary 43 Slovakia 15 22 29 18 22 28 24 17 -6. • -37 -282 -158 1Q21 2Q21 3Q21 4Q21 1Q22* 2Q22 3Q22 4Q22 *As of 1Q 2022, KBC Ireland has been shifted from International Markets Business Unit to Group Centre. No restatements have been made. Organic volume trend Stable net fee and commission income Higher result from financial instruments at fair value Lower net other income An excellent combined ratio of 85% in FY22 (86% in FY21) Lower non-life insurance sales and higher life insurance sales Higher operating expenses Higher net impairment charges Total loans** o/w retail mortgages Volume 25bn EUR 10bn EUR Customer deposits*** 30bn EUR AuM 6.9bn EUR Growth q-o-q* Growth y-o-y +2% +17% +3% +16% +4% +8% +5% +6% * Non-annualised ** Loans to customers, excluding reverse repos (and bonds). Growth figures are excluding FX, consolidation adjustments and reclassifications Customer deposits, excluding debt certificates and repos *** Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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