Kbc Group N.v. · EURONEXT:KBC
Kbc — Q3 2025 Earnings Presentation
68 slides from Kbc's earnings presentation, Nov 13, 2025
Slide 1: KBC Group Company presentation 3Q 2025
1 of 68 KBC Group Company presentation 3Q 2025 www.kbc.com More information: www.kbc.com IR4U@kbc.be IR4U@kbc.be KBC Group - Investor Relations Office: IR4U@kbc.be
Slide 2: Highlights
Highlights • Commercial bank-insurance franchises performed excellently Net result of 1,002m EUR over 3Q25 2 of 68 • Customer loans and customer deposits increased q-o-q in almost all our core countries (on a comparable basis). Core customer money inflow Net result of 1.1bn EUR in 3Q25 (8.5bn in 9M2
Slide 3: Wrap-up: digital-first, data-driven and AI-led integrated bank-insurer with tailored AM
Wrap-up: digital-first, data-driven and AI-led integrated bank-insurer with tailored AM 3 of 68 Well-diversified, both geographically and from a business point of view • • Mature markets (BE, CZ) combined with growth markets (SK, HU, BG) • Robust market position in all key markets & strong trends in
Slide 4: Strategic focus | Sia Partners again ranked KBC Mobile the N°1 mobile banking app worldwide
Strategic focus | Sia Partners again ranked KBC Mobile the N°1 mobile banking app worldwide 4 of 68 Unique integrated bank- Successful digital-first Firmly embedded insurance model approach through KATE sustainability strategy • We offer an integrated response to our • Our digital interaction with c
Slide 5: Strategic focus | The reference
Strategic focus | The reference 5 of 68 Profitability With a Return on Equity of 15% in 9M25 KBC is one of the most profitable EU financial institutions Solvency With an unfloored fully loaded CET1 ratio of 14.9% at end 9M25 KBC is amongst the better capitalised EU banks At KBC it is our ambition to
Slide 6: Main exceptional items
Main exceptional items 6 of 68 3Q25 2Q25 3Q24 BU BE Share in results of associated companies & joint ventures one-off gain +79m Total Exceptional items BE BU +79m EUR HU BK & INS TAX Temporary extra (windfall/DGS) bank and insurance tax +7m EUR HU Impairments Modification losses -4m EUR BU IM BG Ope
Slide 7: Higher net interest income, despite significant lower NII on inflation-linked bonds
Higher net interest income, despite significant lower NII on inflation-linked bonds FY25 NII guidance further increased (see slide 19) 7 of 68 Net interest income Net interest margin* in m EUR in %, calculated excluding dealing room, ALM FX swaps & repos 1,509 1,527 1,379 1,394 1,433 1,421 1,369 121
Slide 8: Inflow of core customer money
Inflow of core customer money 8 of 68 Customer money dynamic over 3Q25 Customer money dynamic over 9M25 in bn EUR in bn EUR +8.5bn EUR -4.6bn EUR +7.0bn EUR +5.3bn EUR +1.1bn EUR -1.2bn EUR -4.7bn EUR -0.8bn EUR +1.6bn EUR +1.8bn EUR +2.2bn EUR -1.2bn EUR -0.2bn EUR +1.1bn EUR -1.9bn EUR+2.3bn EUR 3
Slide 9: Excellent net fee and commission income, good net inflows in direct client money
Excellent net fee and commission income, good net inflows in direct client money 9 of 68 Net fee & commission income Assets under management in m EUR in bn EUR 700 690 707 292 641 667 276 273 280 614 623 11 12 12 258 262 269 13 Other Investment 15 12 11 66 61 62 62 63 advice 304 305 Banking services
Slide 10: Non-life sales up y-o-y, excellent life sales (up q-o-q and y-o-y)
Non-life sales up y-o-y, excellent life sales (up q-o-q and y-o-y) 10 of 68 Non-life sales Life sales in m EUR in m EUR 1,013 64 843 730 792 765 791 61 Hybrid products 623 603 591 671 653 730 333 33 49 67 655 620 Guaranteed- 261 71 362 Interest 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 47 336 products • Up
Slide 11: FIFV & IFIE result down q-o-q and net other income slightly below the normal run rate
FIFV & IFIE result down q-o-q and net other income slightly below the normal run rate 11 of 68 FIFV & IFIE Net other income in m EUR in m EUR 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Dealing room 102 62 64 66 77 60 53 MVA/CVA/FVA 5 1 -24 -6 -1 0 5 77 IFIE mainly 67 interest -60 -60 -63 -66 -67 -67 -69 58
Slide 12: Costs excluding bank & insurance taxes increased q-o-q, perfectly within guidance
Costs excluding bank & insurance taxes increased q-o-q, perfectly within guidance 12 of 68 Operating expenses (including costs directly attributable to Bank and insurance tax spread 2025 (preliminary) insurance) in m EUR in m EUR Total Upfront Spread out over the year 1,646 3Q25 1Q25 2Q25 3Q25 1Q25
Slide 13: Overview of bank & insurance taxes
Overview of bank & insurance taxes* 13 of 68 KBC Group KBC Group Belgium BU in m EUR in m EUR 615m EUR BU BE Pro rata 12.9% 356m EUR 539 Pro rata 12.3% 356 518 of 9M25 opex** 317 17 of 9M25 opex** 0 Resolution Fund* 27 Resolution Fund 0 contribution contribution Common bank & Common bank & 356 491 5
Slide 14: Lower net loan loss impairment charges & excellent credit cost ratio
Lower net loan loss impairment charges & excellent credit cost ratio 14 of 68 Other impairments Asset impairment ECL for geopolitical and macroeconomic uncertainties Credit cost ratio in m EUR; negative sign is a release in bps 60 *In FY20, an ECL buffer of 44 bps was added re Impairments on financi
Slide 15: Unfloored fully loaded Basel 4 CET1 ratio from 2Q25 to 3Q25
Unfloored* fully loaded Basel 4 CET1 ratio from 2Q25 to 3Q25 15 of 68 Q-o-q variance of CET1 capital in bn EUR Unfloored fully loaded B4 common 19.1 equity ratio increased from 14.6% at the -0.5 0.0 end of 2Q25 to 14.9% at the end of 3Q25 +0.2 +0.8 +0.1 based on the Danish Compromise 18.4 For 4Q25,
Slide 16: Strong capital position with substantial buffer to MDA
Strong capital position with substantial buffer to MDA* 16 of 68 Capital requirements and distance to Maximum Distributable Amount (MDA) restrictions as at 30 September 2025 (fully loaded, B 4) in % Regulatory requirement 19.3 KBC Group 2.4 Tier 2 16.9 • P2R 1.95% (= Pillar II requirement) 1.10% to
Slide 17: Leverage ratio, Solvency II ratio and liquidity ratios
Leverage ratio, Solvency II ratio and liquidity ratios 17 of 68 Leverage ratio | KBC Group Liquidity ratios | KBC Group Solvency II ratio | KBC Group fully loaded in % in % Leverage LCR NSFR Solvency II ratio ratio 5.8% 9M25 158% 9M25 134% 9M25 216% 9M25 5.5% FY24 158% FY24 139% FY24 200% FY24 Q-o-q
Slide 18: Looking forward | Economic outlook
Looking forward I Economic outlook 18 of 68 • Against the background of the US-EU tariff agreement of 27 July, and despite ongoing uncertainty around economic policy and trade relations, growth in the euro area economy picked up to 0.2% in the third quarter. Barring new shocks, we are likely past th
Slide 19: Looking forward | FY25 financial guidance
Looking forward I FY25 financial guidance 19 of 68 FY25 NII guidance further increased from Our bank-insurance model is firing on all cylinders at least 5.85bn EUR to at least 5.95bn EUR, Organic loan volume growth increased Note: all growth figures are based on reported 2024 figures from at least +
Slide 20: Looking forward | FY27 financial guidance
Looking forward I FY27 financial guidance (as provided with FY24 results) 20 of 68 Our bank-insurance model is firing on all cylinders Note: all growth figures are based on reported 2024 figures 2027 Total income CAGR24-27 at least +6% Net interest income* CAGR24-27 at least +5% Jaws at least +3% In
Slide 21: Wrap-up
Wrap-up 21 of 68 Excellent financial Outstanding solvency Kate convinces Franchise is growing performance and liquidity customers net result loan customer CET1 ratio 5.8 million 1,002m users volumes deposits 3Q25 14.9% 3415m 4.1% buffer in contact +8% +3% vs MDA with Kate y-o-y y-o-y FY24 NSFR 398k
Slide 22: Supplemental information & disclosures
Supplemental information & disclosures 22 of 68 BU view (slide 23-36) Annexes (slide 37-65) • Belgium BU • Company profile • Czech Republic BU • KBC strategy • International Markets BU • Sustainability • Slovakia • Asset quality • Hungary • MREL & funding • Bulgaria • Group Centre BU Navigate quickl
Slide 23: Belgium BU (1) | Net result
Belgium BU (1) | Net result 23 of 68 Net result ROAC in m EUR 9M25 79 One-off 20% 64% of Allocated Capital 607 589 519 519 487 243 281 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 • The quarter was characterised by slightly lower net interest income (due entirely to significant lower NII on inflation-linked b
Slide 24: Belgium BU (2) | Net interest income
Belgium BU (2) | Net interest income 24 of 68 Net interest income Net interest margin in m EUR in % 1.94% 1.97% 1.94% 1.90% 1.87% 1.92% 1.88% 837 900 898 809 831 828 830 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 • Decreased by 4 bps q-o-q and by 6 bps y-o-y for the reasons 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q2
Slide 25: Belgium BU (3) | Credit margins in Belgium
Belgium BU (3) | Credit margins in Belgium 25 of 68 Product spread on customer loan book | Outstanding in % 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0.0 2Q20 3Q20 4Q20 4Q22 1Q22 2Q24 3Q24 1Q25 2Q25 2Q15 1Q20 3Q15 4Q24 3Q25 2Q17 4Q15 3Q17 2Q21 3Q21 2Q22 3Q22 4Q23 1Q24 1Q15 4Q17 4Q21 2Q18 2
Slide 26: Belgium BU (4) | Other income lines & cross-selling
Belgium BU (4) | Other income lines & cross-selling 26 of 68 Net fee & commission income Insurance in m EUR • Insurance sales: 1,114m EUR • Non-life sales (371m EUR) +6% y-o-y, due to premium growth in all classes, due to a combination of volume and tariff increases • Life sales (743m EUR) rose by 4
Slide 27: Belgium BU (5) | Opex & impairments
Belgium BU (5) | Opex & impairments 27 of 68 Operating expenses Asset impairment Other impairments in m EUR in m EUR ECL for geopolitical and macroeconomic uncertainties 984 Impairments on financial assets at AC and FVOCI 923 123 1 356 42 317 50 2 666 642 58 79 634 627 Bank & 24 576 0 11 2 0 0 insur
Slide 28: Czech Republic BU (1) | Net result
Czech Republic BU (1) | Net result 28 of 68 ROAC Net result 9M25 in m EUR 38% 16% of Allocated Capital 244 238 240 244 197 207 179 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 • The quarter was characterised by higher net interest income, higher net fee & commission income, stable sales of non-life and lower
Slide 29: Czech Republic BU (2) | Net interest income
Czech Republic BU (2) | Net interest income 29 of 68 Net interest income Net interest margin in m EUR in % 2.39% 2.42% 2.40% 2.46% 2.44% 2.44% 2.39% 335 336 348 356 315 323 325 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 • Fell by 5 bps q-o-q and by 1 bp y-o-y for the reaso
Slide 30: Czech Republic BU (3) | Other income lines & cross-selling
Czech Republic BU (3) | Other income lines & cross-selling 30 of 68 Net fee & commission income Insurance in m EUR • Insurance sales: 203m EUR • Non-life sales (149m EUR) +13% y-o-y excl. FX, due to premium and volume growth in almost all classes • Life sales (54m EUR): o -18% q-o-q excl FX due enti
Slide 31: Czech Republic BU (4) | Opex & impairments
Czech Republic BU (4) | Opex & impairments 31 of 68 Operating expenses Asset impairment Other impairments in m EUR in m EUR ECL for geopolitical and macroeconomic uncertainties Impairments on financial assets at AC and FVOCI 255 250 256 250 17 235 1 230 1 Bank & 35 223 25 1 insurance taxes 3 14 12 4
Slide 32: International markets BU (1) | Highlights
International markets BU (1) | Highlights 32 of 68 ROAC Net result 9M25 Organic volume trend in m EUR 29% 237 237 Total o/w retail Customer 224 19% of loans** mortgages deposits*** 205 Allocated Capital Volume (EUR) 33bn 13bn 34bn 76 175 90 94 Bulgaria Growth q-o-q* +4% +3% +3% 146 80 135 Growth y-o
Slide 33: International markets BU (2) | Slovakia
International markets BU (2) | Slovakia 33 of 68 Net result ROAC Volume trend in m EUR 9M25 14% • Total customer loans rose by 3% q-o-q and by 10% y-o-y (the latter 6% of due mainly to good growth in all segments) Allocated Capital • Total customer deposits rose by 3% q-o-q (due mainly to the corpor
Slide 34: International markets BU (3) | Hungary
International markets BU (3) | Hungary 34 of 68 Net result Volume trend in m EUR ROAC 9M25 • Total customer loans rose by: 44% • +2% q-o-q driven by growth in all segments 5% of • +9% y-o-y, due to growth in all segments, except SMEs Allocated Capital 121 122 • Total customer deposits evolved by: 11
Slide 35: International markets BU (4) | Bulgaria
International markets BU (4) | Bulgaria 35 of 68 Net result ROAC Volume trend in m EUR 9M25 29% • Total customer loans rose by 5% q-o-q and by 18% y-o-y due to 8% of growth in all segments Allocated Capital • Total customer deposits rose by 5% q-o-q and by 11% y-o-y due to 94 growth in all segments
Slide 36: Group Centre BU | Highlights
Group Centre BU | Highlights 36 of 68 Net result in m EUR 215 Highlights (q-o-q), excluding Ireland 316 • Excluding KBC Bank Ireland, the q-o-q lower result 5 -2 -3 -3 -2 -2 of Group Centre was attributable mainly to: KBC Ireland • Lower FIFV & IFIE result -59 -74 -64 -67 BU GC • Lower net other inc
Slide 37: Company profile | KBC Group in a nutshell (1)
Company profile | KBC Group in a nutshell (1) 37 of 68 Diversified and strong business performance financial institutions • • Mature markets (BE, CZ) combined with growth markets (SK, HU, BG) • We are a leading European financial group with a focus on providing bank- insurance products and services
Slide 38: Company profile | KBC Group in a nutshell (2)
Company profile | KBC Group in a nutshell (2) 38 of 68 High profitability (IFRS 17 figures) Solid capital position combined CET 1 ratio (fully loaded, Danish compromise) C/I ratio* ratio net result in % 47% FY24 90% FY24 3,415m FY24 16.3% 16.0% 17.1% 17.6% 45% 9M25 2,566m 9M25 15.5% 15.4% 15.2% 15.0
Slide 39: Company profile | KBC Group in a nutshell (3)
Company profile | KBC Group in a nutshell (3) 39 of 68 Dividend policy & capital distribution Shareholder structure (as at end 3Q25) The Board of Directors decided: MRBB Other core Treasury shares • the dividend policy as from 2025: Cera 12.4% 7.0% 5.0% • A payout ratio (including AT1 coupon) betwee
Slide 40: KBC will acquire 365.bank in Slovakia
KBC will acquire 365.bank in Slovakia (as announced together with the 1Q25 results in May) 40 of 68 KBC has agreed to acquire (in cash) 98.45% of 365.bank in Slovakia, based on a total value for 365.bank of 761m EUR Indisputable strategic rationale Strong financial rationale • Enhancing the footprin
Slide 41: KBC acquires Business Lease in the Czech Republic and Slovakia
KBC strengthens its position in Central Europe with the acquisition of Business Lease in the Czech Republic and Slovakia (as announced on October 23, 2025) 41 of 68 KBC has agreed to acquire Business Lease Czech Republic and Business Lease Slovakia, for a total consideration of 72m EUR Indisputable
Slide 42: Company profile | Well-defined core markets
Company profile | Well-defined core markets 42 of 68 Belgium BU Czech Republic BU International Markets BU SK HU BG 61% of assets 130bn EUR loans 24% of assets 44bn EUR loans 4% of assets 4% of assets 6% of assets 4.1m clients 4.3m clients 0.8m clients 1.7m clients 2.2m clients 427 branches 197 bran
Slide 43: Strategy | S.T.E.M.: the ecosphere
Strategy | S.T.E.M.: the ecosphere 43 of 68 Our strategy rests on the following principles: • We place our clients at the centre of everything we do. • We look to offer our clients a unique bank-insurance experience. • -term development and aim to achieve sustainable and profitable growth • We assum
Slide 44: Strategy | Powered by PEARL
Strategy | Powered by PEARL 44 of 68 exactly the same thing in your country, when you have the solution Johan Thijs Highlights Profit Loss Capital Liquidity Looking forward BU view Company profile KBC Strategy Sustainability Asset quality MREL Funding Highlights Profit & Loss Capital & Liquidity Loo
Slide 45: Strategy | Bank-insurance
Strategy | Bank-insurance 45 of 68 We move beyond traditional bank-insurance towards bank-insurance, providing not only traditional bank-insurance solutions but also less traditional non-financial solutions that impact the financial wellness of retail customers or the future of their business Data d
Slide 46: Strategy | The KBC performance diamond
Strategy | The KBC performance diamond 46 of 68 The performance diamond defines, within the limits of the risk management framework, the targets for KBC Group and for all the business units for 4 performance dimensions: Highlights Profit Loss Capital Liquidity Looking forward BU view Company profile
Slide 47: Kate | hyper personalised and trusted digital assistant
Kate | hyper personalised and trusted digital assistant 47 of 68 Personalised & data driven The interaction between the customer and Kate will be triggered by data analysis (approval granted by customer). Kate will be trained on the basis of Digital first & E2E profile, preferences and activities We
Slide 48: Kate | Four flavours, one Kate
Kate | Four flavours, one Kate 48 of 68 Kate4Retail & mSME Kate4Business Kate Group Platform Kate4Commercial Employees Kate is a personal virtual Kate also engages with our SME We do not build Kate for every Kate also has an impact on our assistant that engages with our and corporate clients and cou
Slide 49: Kate | A data-driven organisation with Kate at the core
Kate | A data-driven organisation with Kate at the core 49 of 68 Kate is more than an interface towards customers. It also refers to the AI-enhanced software at our center: the Kate brain. The Kate brain will be the driving force behind data-driven decision making, product design and development, ma
Slide 50: Kate | From basic chatbot to hyper-personal digital assistant
Kate | From basic chatbot to hyper-personal digital assistant 50 of 68 Level 4: Kate offers hyper-personal solutions at the right time LEVEL 4 LEVEL 3 Hyper- personal & Level 3: Kate proactively offers actionable end- LEVEL 2 Proactive contextual to-end solutions to unburden customers LEVEL 1 End2en
Slide 51: Strategy | Translating strategy into non-financial targets
Strategy | Translating strategy into non-financial targets 51 of 68 Maximise customer experience • No hassle, no frills, zero-delay customer experience Customer NPS ranking • Proactive personalized financial solutions via DATA and AI • Re-design & automation of all Outperform on processes Go for ope
Slide 52: Strategy | Non-financial targets (2023-2026)
Strategy | -financial targets (2023-2026) 52 of 68 Customer ranking Bank-insurance (BI) clients Digital sales BI clients Digital sales banking products* TARGET in % TARGET in % TARGET Top-3 Top-3 Top-2 * 83% 65% 2023 2024 2026 76% 76% 76% 52% 55% 55% • KBC is 3rd in customer NPS (Net Promoter Score)
Slide 53: ESG rating end of October 2025
53 of 68 Agency ESG rating end of October 2025 Position versus industry D- A • Leader in addressing climate change • • Score date: February 06, 2025 A Severe Risk High Risk Medium Risk Low Risk Negligible Risk • 3rd percentile of 217 diversified banks assessed 10.2 • Score date: September 23, 2025 0
Slide 54: Sustainability highlights (FY2024)
Sustainability highlights (FY2024) 54 of 68 Commitment to the environment Sustainable business Social responsibility Two new thematic White Papers CSRD Reporting 7.4 billion euros in social sectors This year, we developed two new internal We published our first Sustainability In 2024, we financed 6.
Slide 55: Own environmental impact: our progress in brief
Own environmental impact: our progress in brief 55 of 68 Own environmental footprint (FY 2024) More details in our 2024 Sustainability Report • Since 2015, we have been calculating the GHG emissions arising from our own operations at group level, in accordance with the GHG Protocol Corporate Account
Slide 56: Indirect environmental impact: our progress in brief
Indirect environmental impact: our progress in brief 56 of 68 INDIRECT environmental footprint (FY 2024) Loan portfolio (selection of sectors) Carbon-intensity reduction compared to 2021 baseline, otherwise indicated Operational lease Renewable energy • We refer to our Collective Commitment to Clima
Slide 57: Loan loss experience at KBC
Loan loss experience at KBC 57 of 68 Credit cost ratio* in %; Credit cost ratio: amount of losses incurred on troubled loans as a % of total average outstanding loan portfolio AVERAGE 9M25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 Belgium BU 0.14% 0.19% 0.06% 0.03% -0.26% 0.57% 0.22% 0.09% n/a Czech Republ
Slide 58: Diversified loan portfolio
Diversified loan portfolio 58 of 68 Total loan portfolio outstanding Total loan portfolio outstanding | by segment as % of total Group loan portfolio outstanding* Total loan portfolio outstanding Corporate 225bn EUR* 37.3% 40.9% Retail Group level Total loan portfolio outstanding | by sector 21.8% a
Slide 59: Loan portfolio breakdown by IFRS 9 ECL stage
Loan portfolio breakdown by IFRS 9 ECL stage 59 of 68 Total loan portfolio outstanding | by IFRS9 ECL Stage* Stage 3 ratio | Belgium BU as % of total Group loan portfolio outstanding in % 19.9% 2.3% 2.2% 1.9% 2.0% 2.0% 1.9% 1.9% 1.8% 17.9% 13.6% 11.5% 7.8% 7.9% 7.9% FY20 FY21 FY22 FY23 FY24 1Q25 2Q2
Slide 60: Cover ratios
Cover ratios 60 of 68 Cover ratio | by IFRS9 ECL Stage* Stage 3 cover ratio | Belgium BU in % in % 45.6% 42.6% 42.4% 43.9% 45.4% 47.1% 50.4% 39.6% 38.3% 47.4% 47.9% 49.3% 47.1% 47.1% 44.7% 44.7% Stage 3 FY20 FY21 FY22 FY23 FY24 1Q25 2Q25 3Q25 Stage 3 cover ratio | Czech Republic BU 4.8% in % 2.2% 1.
Slide 61: Substantial and well-diversified government bond portfolio
Substantial and well-diversified government bond portfolio 61 of 68 • Carrying value of 66.4bn EUR in government bonds (excl. trading book) at end of 9M25, primarily as a result of a significant excess liquidity position and the reinvestment of insurance reserves in fixed-income instruments Governme
Slide 62: Indicative view on transitional RWA evolution under Basel IV
Indicative view on transitional RWA evolution under Basel IV (as provided with 1Q25 results) 62 of 68 • Moving towards the Basel IV era and applying a static balance sheet and all other parameters ceteris paribus, without mitigating actions, KBC • reports at 1JAN25, a first-time application impact o
Slide 63: Above resolution requirements in terms of MREL
Above resolution requirements in terms of MREL 63 of 68 MREL targets MREL actuals • The MREL ratio in % of RWA increased from 30.8% in 2Q25 to 30.9% in 3Q25, • The resolution plan for KBC is based on a Single Point of Entry (SPE) approach at KBC Group level, with bail-in as the driven mainly by high
Slide 64: Upcoming mid-term funding maturities
Upcoming mid-term funding maturities 64 of 68 Total outstanding | 3Q25 Recent deals in % KBC Bank has 6 solid sources of long-term funding: (i) Retail term deposits, (ii) • In August 2025, KBC Group issued a Green Tier 2 for an amount of 500m EUR Retail EMTN, (iii) Public benchmark transactions, (iv
Slide 65: Strong customer funding base
Strong customer funding base 65 of 68 • KBC Bank continues to have a strong retail/mid-cap deposit base in its core markets resulting in a stable funding mix with a significant portion of the funding attracted from core customer segments and markets • Stable % in customer funding compared to balance
Slide 66: Glossary
Glossary 66 of 68 B3 / B4 Basel III / Basel IV Combined ratio (non-life Short-term non-life insurance contracts: [claims and claim related costs net of reinsurance + costs other than claims and commissions] / [earned expected insurance) premiums received, net of reinsurance] Common equity ratio [com
Slide 67: Contacts / questions
Contacts / questions 67 of 68 Johan Thijs More information KBC Group CEO • Company website KBC • Quarterly Report Quarterly Reports • Table of results (Excel) Bartel Puelinckx KBC Group CFO • Quarterly presentation Presentations • Debt presentation Kurt De Baenst direct +32 2 429 35 73 Upcoming even
Slide 68: Disclaimer
Disclaimer 68 of 68 • This presentation is provided for information purposes only. It does not constitute an offer to sell or the solicitation to buy any security issued by the KBC Group. • KBC believes that this presentation is reliable, although some information is condensed and therefore incomple