Q4 results KBC 2008 slidecast

1. Quarterly Figures Fourth Quarter 2008 KristofSaelens 2AF1 English: Accounting & Tax 1 - Slidecast Artevelde Hogeschool – J. Casteleyn

2. General info Mainactivities Retail banking Insurance Asset management CEO: André Bergen Interim-CEO: Jan Vanhevel 2

3. Quarterlyfigures – fourthquarter 2008 3  

4. Notes of the accounts Dreadful fourth quarter for financial markets No respite for sector Reduce costs! Financial position remains solid 2009: encouraging January 2009 better than January 2008. 4

5. Financial highlights Results affected by markdowns on structured credit portfolios CDO investments were marked down to zero Loss in value of the equity investment portfolio Share prices sank 20% Write-offs net negative impact 5

6. Financial highlights Deposit pricing pressure limited profitability in Belgium Customer deposit growth and life insurance sales remains solid Interest margin edges up by 6 basis points Underwriting result for the insurance business: very good Combined year ratio = 96% Full-year return on allocated capital for the Belgium Business Unit came to 36% 6

7. Financial highlights Severe challenges Overall economic activity slowed Credit growth restricted Commercial loan loss charges rose Derivates products hit High volatility Reduced effectiveness  Quarterly loss 7

8. Financial position Solid financial position Liquidity buffer Firm solvency ratios Support Belgian State Flemish Regional Government Tier-1 ratio 11,2% Solvency margin 188% 8

9. Conclusion 9

10. Thankyouforyourattention 10