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Investor Presentaiton

KBC Loan loss experience at KBC CREDIT COST RATIO* in %; Credit cost ratio: amount of losses incurred on troubled loans as a % of total average outstanding loan portfolio * FY22 FY21 FY20 FY19 FY18 FY17 AVERAGE '99-'22 Belgium BU 0.03% -0.26% 0.57% 0.22% 0.09% 0.09% n/a Czech Republic BU 0.13% -0.42% 0.67% 0.04% 0.03% 0.02% n/a International Markets 0.31% 0.36% 0.78% -0.07% -0.46% -0.74% n/a BU* Group Centre BU* -0.04% 0.28% -0.23% -0.88% -0.83% 0.40% n/a Total 0.08% -0.18% 0.60% 0.12% -0.04% -0.06% 0.39% As of 1Q 2022, KBC Ireland has been shifted from International Markets BU to Group Centre BU. No restatements have been made 64 of 74 Highlights Profit & Loss Capital & Liquidity Looking forward BU & FY22 view Company profile KBC Strategy Sustainability Asset quality MREL & Funding

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