1. KBC Bank Debt investor presentation Autumn 2005 Web site: www.kbc.com

2. 2 This presentation is provided for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to buy any security KBC believes that this presentation is reliable, although some information may be condensed or incomplete This presentation contains forward-looking statements with respect to our earnings development involving assumptions and uncertainties. The risk exists that these statements may not be fulfilled and that future results differ materially. By receiving this presentation, each investor is deemed to represent that it possesses sufficient expertise to understand the risks involved Important information

3. Foto gebouw Company profile 2005 financial highlights - KBC Group, financial performance - Financial headlines, KBC Bank - Overview, other Group segments Future earnings drivers Capital position

4. 4 Reminder: group structure KBC Group KBC Insurance KBC AM KBL European private bankers Gevaert KBC Bank 1H05 net profit contribution

5. 5 Credit ratings, KBC Bank S&PMoody'sFitch LT credit ratingA+Aa3AA- (outlook)(stable)(stable)(stable) ST credit ratingA-1P1F1+ Recent rating actions: March 2005: all ratings confirmed on the occasion of the merger of ‘KBC Holdings’ and ‘Almanij’ to ‘KBC Group’ March 2004: S&P’s outlook from ‘negative’ to ‘stable’ Jan 2003: Moody’s outlook from ‘negative’ to ‘stable’

6. 6 Group business portfolio KBC Group is a top bancassurer and asset manager in Belgium and has successfully expanded its operations in CEE-5, its 2nd home market. Recently, Private Banking has become more of a key focus. The PB business was expanded to include a Western European network. KBC is also active – be it rather selective – in commercial banking (mostly in W. Europe) and financial markets. Revenue geographical breakdown (1H 2005) Belgium: - retail bancassurance - asset management - private banking - SME/corporate CEE: - retail bancassurance - asset management - private banking - SME/corporate Selected other markets (mostly in W. Europe): - private banking - SME/corporate - capital markets

7. 7 Group strategy headlines Strategy headlines include: Retail- and wealth-management-oriented, with focus on Belgium and CEE-5 and selected Western European markets Further enhancement of efficiency (with emphasis on - but not exclusively in - CEE and European private banking) Standalone basis (opportunistic operational alliances in certain areas to generate economies of scale, if needed) Steady dividend growth and solid level of financial strength/solvency The solid ‘growth and value’ outlook is reflected in ambitious financial targets, valid until 2008: Efficiency:Cost/income, banking Combined ratio, non-life max. 58% max. 95% Financial strength:Tier-1, banking Solvency margin, insurance min. 8% min. 200% Value creation:Adjusted ROE EPS growth (CAGR) min. 16% min. 10%

8. Foto gebouw Company profile 2005 financial highlights - KBC Group, financial performance - Financial headlines, KBC Bank - Overview, other Group segments Future earnings drivers Capital position

9. 9 1. Group net profit at 1 253 m, up 55% y/y, generating a return on equity of 20% 2. Underlying Group profit (excl. one-offs) growing at 34% 3. Comparison of individual P/L lines with pro forma 2004 figures distorted by application of IFRS 32/39 and IFRS 4 as of 2005 4. Strong business volume growth (deposits / loans / AUM / insurance) generating strong commission income (+23%) and offsetting impact of flattening yield curve on net interest income 5. Further downtrend in expenses - cost/income ratio (banking) at 57 % 6. Very low credit-risk provisioning (loan-loss ratio at 0.06%) 7. High levels of return in most business segments, especially in Belgian retail (29%) and in CEE (54%) 8. Outlook for 2005 remains positive 1H 2005 at a glance

10. 10 Profit trend, 1H 05 1H 2004 pro forma 1H 20051H/1H1H/1H excl. one-offs Gross income, net of technical insur. charges 3 9194 163+6% +2% Expenses-2 373-2 313-3%-6% Operating result1 5451 850+20%+15% Impairments-242-57-76% Associated companies-39+33- -27% Net profit8101 253+55%+34% C/I, banking CR, non-life ROE 61% 93% 14% 57% 94% 20% Notes: 1)One-offs include the disinvestment loss at Agfa Gevaert (net bottom-line impact of –80 m) in Q2 2004, the write-back of of provisions for operating expenses after a legal settlement (net +48m) in Q2 2004, the income related to the settlement of a ‘historic’ Slovakian loan (net +68 m) in Q1 2005, the ‘non-recurring’ value gains on shares of Irish insurer FBD (net +68m) in Q1 2005 and merger-related expenses (net 13m) in Q2 2005 2)All 2004 figures exclude impact of IAS 32/39 and IFRS 4

11. 11 Solid business growth Note: Growth trend, excl. (reverse) repo activity, from 31-Dec-04 to 30-Jun-05 Growth, Ytd+7%+10%+7%+11% Belgium+7%+8%+5%+10%+15% CEE+3%+16%+15% +20% Rest of world+7%+15%+7%-+5% 30 June 2005 Customer loans o/w mortgages Customer deposits (banking) Life ‘deposits’ (insurance) AUM (asset management) Outstanding108.7 bn30.7 bn167.8 bn14.9 bn170.5 bn

12. 12 Solid revenue trend Down 693 m y/y, mainly due to non-recognition of 1.1 bn new unit-linked premium volume under IFRS 2005 Apart from one-offs (136 m in Q1), solid revenue ‘quality’: NII: volume growth almost offsetting negative impact on NIM from flattening yield curve (-13 bps) High level of life insurance premium income (2 bn) Strong commission line (+23%)

13. 13 Sustained favourable y/y cost trend Ytd expenses down 3%, mainly driven by (a) cost cutting in Belgium and (b) lower staff profit-sharing bonuses (esp. at KBC Financial Producs) Cost/income, banking, down from 61% to 57% -3%

14. 14 Historic low impairment level Impairments down 185 m (-76%) on the back of limited credit risk and solid equity markets Loan-loss ratio down from 0.20% in FY 04 to 0.06% Impairments on investments limited to 16 m versus 130 m in 1H 04 -76% LLRAvg loansFY 041H 05 Belgium58.30.09%0.03% CZ/Slovakia10.70.26%0.00% Hungary5.40.64%0.93% Poland3.90.69%0.00% International40.20.26%0.09% Total118.50.20%0.06%

15. Foto gebouw Company profile 2005 financial highlights - KBC Group, financial performance - Financial headlines, KBC Bank - Overview, other Group segments Future earnings drivers Capital position

16. 16 1H 05 profit at record level of 784 m, driven by: Strong commission income (+21%) NII almost stable despite flatening yield curve due to solid volume growth Strict cost control (C/I at 57% incl. AM) Limited credit cost (0.06 bp) One-off income in 1Q related to settlement of historic Slovakian loan (net 68 m) Q2 05 (314 m), down q/q due to: One-off income in 1Q (  68m) expected higher cost level:  Elimination of time lag in usage of IT and marketing budgets (  Q2/Q1 40m)  Higher income-related staff costs (  27 m esp. at KBC Financial Products)  Restructuring costs (20 m) Q2 05 y/y trend: Q2 04 includes write-back (73 m) of provision for operating charges (after legal settlement) Key points, banking segment Pro forma IFRS 2004 IFRS 2005 BANKING Net profit (in m) 699 564 784 3Q04 4Q04 1Q04 2Q04 1Q05 2Q05

17. 17 NII trend, banking activities 1H 05 (y/y trend)

18. 18 Competitive landscape in Belgium In 1H 05, NIM was stable y/y at 2.0 %. In Q4 04 and Q1 05 the (obviously lagging) effect of the flattening of the yield curve was offset by the improved product mix (shift to low-yielding liquid savings deposits in anticipation of an interest rate hike). In Q2 05, customers switched to long-term investments, anticipating deposit rate cuts (-25 bps as of Q3 03). Volume growth (deposits/loans) was strong in Belgium, further boosting NII Since mid-2004, credit spreads have seen a significant deterioriation as a result of increased price competition. Currently, pricing rationality is tending to be restored. Net Interest Margin, KBC Bank, Belgium Spreads on new mortgages (bps), KBC, Belgium 0.88 0.76 0.41 0.48

19. 19 Competitive landscape in Belgium Change in retail market share since the beginning of 2004 (avg. deposits and loans), proxy Source: Febelfin (market sample) Includes consumer loans, mortgages, saving accounts and saving certificates In 2004, the large banks, representing >80% of the market, lost roughly 1% market share to the benefit of smaller players. But from 1H05, this trend seems to be on the wane. KBC has been able to keep its market share stable (and may have further increased its market share in unit- linked insurance and probably mutual funds).

20. Foto gebouw Company profile 2005 financial highlights - KBC Group, financial performance - Financial headlines, KBC Bank - Overview, other Group segments Future earnings drivers Capital position

21. 21 Segment structure KBC Group NV KBC Insurance KBC AM KBL epbGevaert KBC Bank Primary segmentation by business segment

22. 22 Pro forma IFRS 2004 IFRS 2005 INSURANCE Net profit (in m) 3 119 246 1Q04 2Q041Q05 2Q05 4Q04 3Q04 Pro forma IFRS 2004 IFRS 2005 Net profit (in m) EUROPEAN PRIVATE BANKING 66 8 94 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 Pro forma IFRS 2004 IFRS 2005 Net profit (in m) ASSET MANAGEMENT 109 119 126 3Q04 4Q04 1Q05 2Q05 1Q04 2Q04 Pro forma IFRS2004 IFRS 2005 Net profit (in m) GEVAERT -48 36 63 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05

23. 23 Segment structure – cont’d. KBC Group NV KBC Insurance KBC AM KBL epbGevaert KBC Bank CEE Markets European private banking Gevaert Retail Business customers 1 2 1. Primary segmentation by business segment 2. Additional breakdown by area of activity

24. 24 Pro forma Net profit (in m) Pro forma Net profit (in m) CEE RETAIL BELGIUM 219 357 539 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 164 120 312 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 Pro forma Net profit (in m) Pro forma Net profit (in m) CAPITAL MARKETS BUSINESS CUSTOMERS 226 185 225 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 137 92 106 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05

25. Foto gebouw Company profile 2005 financial highlights - KBC Group financial performance - Financial headlines KBC Bank - Overview other Group segments Future earnings drivers Capital position

26. 26 Do not underestimate the market: KBC Group is well positioned: Consolidated banking market (80% of assets held by top-4 players) Savings ratio amongst highest in the world (every year, ca. 15% of GDP flows into fin. assets) Market highly receptive to cross-selling of AM & insurance, fueling strong growth trend in AM and life insurance business Strong mortgage growth trend (ca. 10% per year) expected to continue, as residential property price levels are still below other European markets Fee rates for retail banking services only 50% of European average (gradual increase expected) Credit quality has proven to be solid over the cycle Top-3 market position, esp. strong in Northern region (one of the wealthiest regions in the EU) Of the top players, level of customer satisfaction is highest Innovative product offering in retail AM (steadily increasing market share over the past 10 yrs.) Still high cross-selling potential for (non-life) insurance products and well-performing bancassurance distribution model Well-diversified revenue structure (50% fee income) and further increase in fee income targeted Further cost efficiency improvement potential, among other things, via co-sourcing of back offices with other banks Earnings drivers in Belgium - overview

27. 27 Mid-term financial outlook, Belgium Gross incomeC/I, bankingLLRNet profit Retail5% CAGRLow 60s< 0.25%>10% CAGR Business customers >2% on RWA< 43%< 0.35%>10% CAGR

28. 28 Strong market growth momentum: KBC Group is well positioned: Earning drivers in CEE - overview  Nom. GDP growth in 2005/06 at 6.3%. Although prospects have been revised due to global economic slowdown, growth will still outgrow EMU by c. 3%  Ongoing catch-up in product penetration (currently, an avg. of 45% for banking accounts and 5% for mortgages)  Mortgage volumes growing at double-digit pace (up 51% on avg. in 2004)  Financial sector could grow five-fold if financial assets to GDP were to reach current levels of S. Europe  Solid market position in retail and corporate businesses (excl. banking in Poland) with nationwide branch networks  Competitive advantage in enhancing cross-selling of asset management and insurance products  Well positioned in HNWI and private banking through epb know-how C/I still on the high side overall, inducing further improvement, e.g., by setting up cross-border platforms for processing transactions Adequately provisioned balance sheet (risks under control)  Availability of capital within the Group

29. 29 Bancassurance fueling CEE earnings Cross-sell rates 2004 CZHUPLSKBE Consumer loan X Life 83%50%100%94%67% Mortgage loan X Life 45%50%100%75%67% Mortgage loan X Property insurance 54%71%42%30%50% Now the model is in place: Transfer of product know-how and streamlining of business processes and IT systems Implementation of KBC’s distribution model and setting up of sales incentives and adequate sales approach Unified management responsibility (joint management committee of bank and insurance) = competitive advantage relative to other CEE players Results are encouraging:

30. 30 Growth in AM fueling CEE earnings KBC is well positioned: Strong appetite for ‘risk-free’ investments in the market (money-market, capital-guaranteed funds), fully in line with KBC’s core competencies and successful track record in Belgium Cost/AUM below average (around 16 bps vs. 20 bps for Europe) = competitive advantage relative to other CEE players Results are encouraging: AUM grew in ’04 by 25%. Continued high growth expected in coming years (CAGR of 15-20% in mutual funds and 10-15% in pension products) Via the funds business, new customers are recruited. Existing customers using deposits to buy funds replenish deposit accounts after one year Market share 200320041H05Trend CZ19%22%26%+++ HU8%9%11%++ SK6%7%8%+ SLO-8%10%++ PL3%4% +

31. 31 Mid-term financial outlook, CEE RWA CAGR Net profit CAGR Loan-loss ratio Cost/Income ratio Banking10% – 15% < 0.50%< 60% Premium income CAGR Net profit CAGR Combined ratio Insurance15% – 25%25% - 35%95% Growth AUM mutual funds Growth AUM pension producs AM15% – 20%10% - 20%

32. 32 Private banking in higher gear Dual brand strategy: network-led vs. ‘independent boutique’ Growth drivers: network trade-up, extension of product offer and hiring of private bankers Business model: integrated private banking business in selected European markets focusing on clients with >€1m of investable assets Total assets currently amounts to 76 bn (Sep-05) Integrated network of local pure-play private banking brands (boutique style) Priority of reducing costs by creating synergies in a central ‘hub’ (IT, operations, support) Growth drivers: increased share of wallet, hiring of PB managers and opportunistic M&A Low-growth market Focus on profitability (leveraging the hub) If possible, steer repatriated assets to KBC onshore No expansion, except in IFAs with short payback Small today, but high market growth expected (>15% p.a.) Strengthening a network-led model, leveraging Belgian experience BelgiumW. Europe onshoreW. Europe offshoreCEE Opportunistic acquisitions may imply investments of 150-250 m per year AUM 28 bn AUM 27 bn AUM 18 bn AUM 3 bn

33. 33 Mid-term financial outlook, PB AUM GrowthNet profitCost/Income Private Banking 9% CAGR (14% Belgium, 15% CEE 0% offshore and 10% W. Eur onshore) 10% CAGR< 55%

34. 34 FY 2005 profit outlook KBC continues to be positive on its strategy in the various business lines Banking costs are expected to decrease in 2005 There are no signs of any substantial decline in credit quality or in underwriting performance, non-life The interest rate and stock market environments remain factors of uncertainty KBC has already set a mid-term objective of >10% CAGR EPS growth On the basis of the solid 1H 05 earnings and the prevailing view regarding the relevant economic and financial parameters, KBC’s 2005 net profit is expected to exceed the10% growth level, amounting to more than 2 bn euros

35. Foto gebouw Company profile 2005 financial highlights - KBC Group financial performance - Financial headlines KBC Bank - Overview other Group segments Future earnings drivers Capital position

36. 36 Solvency 8.5% 347% 397% KBL epb (Tier-1) KBC Insurance (solvency margin) In m EUR KBC Bank (Tier-1) In m EUR 10.1% 9.8% 8.1%

37. 37 Capital position Available capital 1 Surplus capital 2 Immediate free surplus 3 KBC Bank10.7 bn2.1 bn1.5 bn KBC Insurance2.8 bn1.2 bn0.4 bn Gevaert1.2 bn1.0 bn0.4 bn KBC AM and KBL epbp.m. Total14.7 bn4.3 bn2.3 bn Internal capital budget requirements Deleveraging of the holding company0.4 – 0.6 bn Buy-out of 3 rd parties in CEE0.8 – 1.3 bn External growth in CEE1.0 – 2.0 bn 1 Regulatory capital under Basel I/Solvency I (incl. hybrids and minority interests, after elimination of intangibles and goodwill), based on capital position as at 30-Mar-05 2 Difference between available capital and internal minimum level 3 Surplus capital excl. expected adverse IFRS impact on Tier-1, banking (as of 2006), unrealized gains on tied-up assets (insurance) and value of Agfa-Gevaert (timing of disposal uncertain)

38. Appendices - Issue activity KBC Bank, overview - Other Foto gebouw

39. 39 Issue activity 2002 A total of 75 senior debt transactions issued through KBC Ifima subdivided in: 5 strategic FRN transactions for 2 200 m EUR equivalent 70 (structured) private/ public placements for 531 m EUR equivalent

40. 40 Detail of FRN issuance over 2002 Issue sizeType of transactionStartEndAll-in cost p.a.Tenor EUR 500 000 000 (*)public FRN issue21/01/200221/01/2005euribor 3m + 13.37 bp3 year EUR 250 000 000 (*)public FRN issue31/01/200221/01/2005euribor 3m + 13.51bp3 year EUR 500 000 000 public FRN issue 13/03/200213/03/2007euribor 3m + 17.35 bp5 year EUR 250 000 000 (*) public FRN issue 28/03/200221/01/2005euribor 3m + 12.97 bp2y 10m EUR 300 000 000private FRN issue26/04/200226/04/2004euribor 3m + 8 bp2 year EUR 200 000 000private FRN issue03/05/200203/05/2004euribor 3m + 8 bp2 year EUR 200 000 000private FRN issue05/07/200205/01/2004euribor 3m + 5.68 bp1.5 year (*) fungible tranches FRN issuance in International Markets over 2002

41. 41 Issue activity 2003 A total of 142 senior debt transactions issued through KBC Ifima subdivided in : 3 strategic FRN transactions for 610 m EUR equivalent 139 (structured) private/public placements for 1 259 m EUR equivalent An ad hoc Tier-I issue of 200 m GBP (perpetual NC 16 years)

42. 42 Detail of FRN+ Tier-1 issuance over 2003 Issue sizeType of transactionStartEndAll-in cost p.a.Tenor EUR 250 000 000private FRN issue27/01/200327/01/2005euribor 3m + 8 bp2 year EUR 100 000 000private FRN issue07/02/200307/02/2005euribor 3m + 8 bp2 year EUR 260 000 000private FRN issue21/03/200323/03/2008euribor 3m + 8 bp5 year GBP 200 000 000public Tier-1 issue19/12/2003Perp NC 16euribor 3m + 8 bpPerp FRN and Tier-1 in International Markets over 2003

43. 43 Issue activity 2004 A total of 301 senior debt transactions and 2 subordinated Lower Tier-II transactions (101 m EUR equivalent) issued through KBC Ifima subdivided in: 8 strategic FRN transactions for 2 698 m EUR equivalent 295 (structured) private/ public placements for 1 940 m EUR equivalent An ad hoc Tier-I issue of 175 m GBP (perpetual NC 15 years)

44. 44 Detail of FRN issuance + Tier-1 issuance over 2004 Issue sizeType of transactionStartEndAll-in cost p.a.Tenor EUR 500 000 000public FRN issue20/01/200420/01/2006euribor 3m + 4.5 bp2 year EUR 50 000 000private FRN issue27/01/200427/01/2006euribor 3m + 2 bp2 year EUR 300 000 000public FRN issue28/01/200428/01/2009euribor 3m + 12 bp5 year JPY 27 000 000 000 private FRN issue09/02/200409/02/2006euribor 3m + 3 bp2 year EUR 200 000 000private FRN issue19/02/2004 euribor 3m + 3 bp2 year 1m EUR 500 000 000public FRN issue15/09/2004 euribor 3m + 8.5 bp4 year CZK 1 100 000 000 private zero coupon issue 25/10/2004 pribor 3m - 1 bp2 year EUR 100 000 000Private FRN issue27/10/2004 euribor 3m flat2 year EUR 300 000 000public FRN issue02/12/2004 euribor 3m + 8 bp3.8 year EUR 150 000 000private FRN issue01/12/2004 euribor 3m + 2.5 bp2 year EUR 500 000 000Private FRN issue14/12/2004 euribor 3m + 9.5 bp5 year USD 27 351 535private issue16/02/2005 euribor 3m + 4.5 bp5 year GBP 175 000 000public Tier-1 issue03/11/2004 libor 3m + 79 bpPerp FRN and Tier-1 issuance in International Markets over 2004

45. 45 Issue activity 2005 (till 31 st august) A total of 402 senior debt transactions and 7 subordinated Lower Tier-II transactions (409 m EUR equivalent) issued through KBC Ifima subdivided in: 3 strategic FRN transactions for 615 m EUR equivalent 399 (structured) private/ public placements for 3 053 m EUR equivalent

46. 46 Detail of FRN issuance over 2005 (till 31 st August) Issue sizeType of transactionStartEndAll-in cost p.a.Tenor EUR 215 000 000private FRN issue10/01/200510/01/2010euribor 3m + 9.5 bp5 year EUR 250 000 000private FRN issue23/03/200523/03/2007euribor 3m flat2 year EUR 100 000 000private FRN issue24/04/200524/04/2007euribor 3m - 1 bp2 year FRN issuance in International Markets over 2005

47. 47 Maturity buckets of strategic FRN

48. Appendices - Issue activity KBC Bank, overview - Other Foto gebouw

49. 49 Market cap ranking in Euroland 1 BNP Paribas (35 bn)1 BNP Paribas (43 bn)1 BSCH (63 bn) 2 BSCH (31bn)2 BSCH (37 bn)2 BNP Paribas (53 bn) 3 BBVA (29 bn)3 BBVA (36 bn)3 BBVA (47 bn) 4 Deutsche Bank (26bn)4 Société Générale (30 bn)4 Deutsche Bank (39 bn) 5 ABN AMRO (25 bn)5 Deutsche Bank (30 bn)5 Société Générale (39 bn) 6 Société Générale (24 bn)6 Crédit Agricole (29 bn)6 ABN AMRO (37 bn) 7 Unicredito (22 bn)7 ABN AMRO (28 bn)7 Crédit Agricole (33 bn) 8 Fortis (22 bn)8 Unicredit (24 bn)8 Fortis (31 bn) 9 Crédit Agricole (14bn)9 Fortis (23 bn)9 Unicredit (29 bn) 10 Dexia (14 bn)10 Intesa BCO (17 bn)10 KBC (25 bn) 11 Intesa BCI (12bn)11 Dexia (16 bn)11 Intesa BCI (23 bn) 12 Allied Irish Banks (12 bn)12 KBC (15 bn)12 Dexia (20bn) 13 Bank of Ireland (10 bn)13 SanPaolo IMI (13 bn)13 San Paolo IMI (18 bn) 14 KBC (9 bn)14 Allied Irish Banks (11 bn)14 HVB (17 bn) 15 SanPaolo IMI (9 bn)15 HVB (10 bn)15 Allied Irish Banks (16 bn) 16 Banco Popular (8 bn)16 Commerzbank (8 bn)16 Bank Austria (13 bn) 17 HVB (7 bn)17 Erste Bank (8 bn)17 Commerzbank (13bn) 18 Mediobanca (6 bn)18 Bank Austria (8 bn)18 Mediobanca (12 bn) 19 Bca MPS (6 bn)19 Mediobanca (7bn)19 Bank of Ireland (12 bn) 20 Bco Popular (5 bn)20 Bca MPS (6 bn)20 Bco Popular (12 bn) Dec 2002 Aug 2004 Aug 2005 DJ Euro Stoxx Banks constituents

50. 50 Shareholder structure CERA/Almancora 27.1% (own shares: 2.3%, including ESOP hedge) Other committed shareholders 11.7% MRBB 11.6% Free float 47.3% KBC is majority-owned by a group of committed shareholders, thereby providing continuity for the pursuit of long-term strategic goals Core shareholders include the Cera/Almancora Group (co-operative investment company), a farmers’ association (MRBB) and a syndicate of industrialist families Situation as at 30-Jun-05

51. 51 2005 H1 25% KBC’s presence in CEE CEE profit contribution to KBC Group Retail 57% Other 22% SME/Corp 21% Share of business segments in gross income, CEE Banking Profit contribution, CZ + SK 20032004 143 m162 m Czech Republic Total assets, bank: 18 bn EUR Market share, bank: 21% (No. 2) Market share, life: 8% (No. 5) Market share, non-life: 4% (No. 6) Profit contribution, Poland 20032004 -295 m25 m Total assets, bank: 5 bn EUR Market share, bank: 5% (No. 8) Market share, life: 3% (No. 7) Market share, non-life: 11% (No. 2) Profit contribution, Hungary 20032004 11 m31 m Total assets, bank: 7 bn EUR Market share, bank: 11% (No. 2) Market share, life: 4% (No. 7) Market share, non-life: 4% (No. 6) Slovakia Total assets, bank: 2 bn EUR Market share, bank: 6% (No. 4) Market share, life: 4% (No. 8) Market share, non-life: 2% (No. 7) Profit contribution, Slovenia 20032004 10 m26 m Minority stake (34%) Market share, bank: 41% (No. 1) Market share, life: 6% (No. 5)

52. 52 Group income statement, 1H 2005 (in m euros)BankingInsuranceAM KBL epb GevaertHoldingGroup Net interest income Gross earned premium, insurance Dividend income Net gains from FI at FV Net realised gains from AFS assets Net fee and commission income Other income 1 807 0 67 121 63 605 223 266 1 707 86 4 144 -148 29 -1 0 7 8 1 184 1 79 0 7 82 21 206 33 -2 0 3 14 37 0 49 -30 0 0 -4 0 -2 235 2 122 1 707 169 225 265 839 330 Gross income2 8872 0881994291012005 660 Operating expenses Impairments - o/w on loans and receivables - o/w on AFS assets Gross technical charges, insurance Ceded reinsurance result Share in results, associated companies -1 685 -34 -34 1 0 0 17 -254 -20 -1 -18 - 1464 -33 0 -30 0 0 0 0 0 0 -287 -5 0 1 0 0 2 -42 1 1 1 0 0 15 -257 0 0 0 0 0 0 -2 313 -57 -34 -16 -1 464 -33 33 Profit before taxes1 18531616913775-57 1 826 Income tax expense Minority interests -306 -96 -66 -4 -43 0 -39 -4 -12 -1 -2 0 -469 -104 Net profit7842461269463-591 253 Excl. intrasegment eliminations

53. 53 Areas of activity overview, 1H 2005 (in m euros)RetailCEESME/ Corp. MarketsKBL epbGevaertTotal Banking and AM Gross income Operating expenses Impairments Income tax expense Minority interests Net profit – group share 1 288 -734 +7 -178 0 383 925 -526 -7 -71 -41 282 508 -183 -34 -84 0 208 410 -235 -2 -67 0 106 429 -289 -5 -39 -4 94 3 515 -2 004 -39 -415 -100 1 003 Insurance Gross income (- techn. ch.) Operating expenses Impairments Income tax expense Minority interests Net profit – group share 373 -156 -15 -46 -1 155 131 -83 -1 -10 -7 30 47 -15 -4 -10 0 17 591 -254 -20 -66 -4 246 Holding Co Net profit – group share 633 Group total Net profit – Group share Share in group result ROAC 539 43% 29% 312 25% 54% 225 18% 20% 106 8% 28% 94 8% 16% 63 5% 11% 1 253 20% Excl. non-allocated results

54. 54 Contact information Investor Relations Office Luc Cool Nele Kindt Marina Kanamori investor.relations@kbc.com Surf to www.kbc.com for the latest update.