#1Bank of Ireland Key Messages FY23 Results Bank of Ireland Step change in business performance Strategic delivery Strong financial performance Step change in distributions +23% +8% +18% Irish loans New customers¹ AUM €1.9bn 42% 17.3% PBT CIR² ROTE² 340bps Capital generation³ (2018-22 avg 100bps) 14.3% CET1 €1.15bn 72% total distribution 13% of market capitalisation4 Strong Irish retail performance Irish residential mortgages +8% Net Irish mortgage book growth y/y (excluding KBCI portfolio)5 Everyday Banking Wealth and Insurance €80.1bn Irish customer balances (+€2.5bn in 2023) €46bn AUM (+18% y/y) 41% Irish mortgage market share (+13pts y/y) +11% Customer fee income y/y €3.3bn Net inflows (+275% y/y) Capturing value in a growing market Protecting and growing relationship value Leading the market via clear brand propositions 1 New Irish bank channel customer relationships as a proportion of total customers at the start of the year 2 Basis of calculation set out in FY23 Investor Presentation 3 Net organic capital generation 4 Based on market capitalisation of Bank of Ireland Group plc as at 31 Dec 2023 Excluding KBCI portfolio acquisition but including redemptions. 11% growth excluding KBCI redemptions Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Page 1 of 5#2Supporting Irish businesses and a complementary international footprint Ireland €3.4bn Corporate and Commercial Property and international corporate -10% Retail UK Irish SME new lending (+6% y/y) €0.9bn Irish corporate new lending (+1% y/y) Net reduction in property and international corporate book y/y 3.4% Coverage ratio on CRE portfolio (+100bps y/y) Serving simple and complex customer needs +22% Growth in new lending y/y +57% Increase in underlying PBT since 2019 Delivering strong returns through niche strategy Strategic pillars supporting growth and improved Customer experience... 1 Stronger relationships +75k Increased product holdings y/y +8% New-to-bank customer growth' in 2023 Growing Customer numbers 2 Simpler business -5% +18% Customer complaints³ y/y Active digital users⁹ y/y + Q219 Q419 Q220 Q420 Q221 Q421 Total customers Q222 Q422 Q223 Q423 Relationship NPS > Better Customer outcomes H119 H219 H120 H220 H121 H221 H122 H222 H123 H223 Customer Effort Score (CES) Total complaints ...delivering benefits to Society and Colleagues #1 for Financial Wellbeing in Ireland 3 Sustainable company Practical, meaningful ESG interventions €11.1bn Sustainable finance +35% y/y c. €30.0bn 46% Female senior appointments in 2023 vs 50:50 target (40% 2022) 80% Colleague Cultural Embedding Index10 (+4ppts y/y) 73 c. €15.0bn €11.1bn €8.2bn 2022 2023 2025 2030 Sustainable finance lending Targets 6 Total products sold to Irish personal and business customers 7 New Irish bank channel customer relationships as a proportion of total customers at start of the year 8 Ireland retail banking and NIAC 9 Users who have logged into Banking 365 in the last 90 days 10 As measured in Bank of Ireland internal colleague surveys Bank of Ireland Key Messages | FY23 Results | 26 February 2024 53 61 2018 2019 66 62 2020 2021 Colleague Engagement Index10 68 2022 2023 Page 2 of 5#3€2,482m FY22 Key Financial Highlights 48% growth in net interest income €1,330m Liquid assets €600m Lending (€730m) Funding €3,682m Improved asset quality and strong coverage maintained Group loan book segment mix (net) Group loan asset quality ■Consumer €5.6bn Property and Construction (CRE) €7.0bn 7% 9% ■Non-property SME and corporate €19.9bn 1.8% 4% 17% 40% Ireland mortgages €32.1bn €79.5bn 25% 79% 19% UK mortgages €14.9bn 3.6% FY2311 1.5% 3.1% 3% 16% 81% Dec 22 Dec 23 ■Stage 1 ■Stage 2 Stage 3 ILA coverage NPE % Significantly higher capital generation... Fully Loaded CET1 RWAS €46.8bn 13 340bps (70bps) 15.4% (140bps) (240bps) RWAS €52.5bn 14.3% Dec 22 Net organic capital 12 RWA13 KBCI/IFRS 17 Distributions to shareholders Dec 23 ...results in sustainable step change in distributions Net organic capital generation c.2x Distributions c.3x €1,154m 260-340bps 135-185bps 2021-2022 11 Restated for impact of IFRS 17; reported FY22 RWA €47.5bn 2023-2024 €350m FY22 FY23 12 Net organic capital generation primarily consists of attributable profit after impairment and movements in regulatory deductions, and is calculated with reference to RWAS at the start of the period 13 RWA movements from changes in loan book mix, asset quality and movements in other RWAS Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Page 3 of 5#42024 guidance Income NII 5-6% lower than Q4 2023 annualised Total business income mid-single digit % higher Cost of risk Low 30s bps Strong capital generation Interim distributions to commence in 2024 Operating expenses Mid-single digit % higher Cost-to-income ratio < 50% ROTE > 15% in 2024 On track to deliver on our 2023-2025 financial targets Overview of Credit Ratings and Key Capital and Liquidity Ratios Bank of Ireland Group plc (holding company of the Group) Rating Agencies Long Term Outlook Short Term Standard & Poor's Moody's Fitch BBB A3 BBB+ ESG Rating Agency Sustainalytics Rating 17.9 S&P Global 50 Stable Positive Stable MSCI A A-2 N/A F2 CDP B Governor and Company of the Bank of Ireland Rating Agencies Standard & Poor's Moody's Fitch Long Term A A1 (Deposit Rating A1) A- Outlook* Stable Positive (Deposit Outlook Positive) Stable Covered Bond N/A Aaa N/A Rating Short Term A-1 Prime-1 F2 Fully Loaded CET1 Regulatory CET1 Fully Loaded Leverage Ratio MREL Ratio Capital Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Liquidity Ratios 14.3% Liquidity Coverage Ratio 196% 14.5% Net Stable Funding Ratio 157% 6.3% 31.7% Loan to Deposit Ratio 80% Page 4 of 5#5Disclaimer This document contains forward-looking statements with respect to certain of the Bank of Ireland Group plc (the 'Company' or 'BOIG plc') and its subsidiaries' (collectively the 'Group' or 'BOIG plc Group') plans and its current goals and expectations relating to its future financial condition and performance, the markets in which it operates and its future capital requirements. These forward-looking statements often can be identified by the fact that they do not relate only to historical or current facts. Generally, but not always, words such as 'may,' 'could,' 'should,' 'will,' 'expect,' 'intend,' 'estimate,' 'anticipate,' 'assume,' 'believe,' 'plan,' 'seek,' 'continue,' 'target,' 'goal,' 'would,' or their negative variations or similar expressions identify forward-looking statements, but their absence does not mean that a statement is not forward-looking. Examples of forward-looking statements include, among others: statements regarding the Group's near term and longer term future capital requirements and ratios, loan to deposit ratios, expected impairment charges, the level of the Group's assets, the Group's financial position, future income, business strategy, projected costs, margins, future payment of dividends, future share buybacks, the implementation of changes in respect of certain of the Group's pension schemes, estimates of capital expenditures, discussions with Irish, United Kingdom, European and other regulators, plans and objectives for future operations, and the impact of Russia's invasion of Ukraine and the Israeli-Palestinian conflict particularly on certain of the above issues and generally on the global and domestic economies. Such forward-looking statements are inherently subject to risks and uncertainties, and hence actual results may differ materially from those expressed or implied by such forward-looking statements. Such risks and uncertainties include, but are not limited to, those as set out in the Risk Management Report in the Group's Annual Report for the year ended 31 December 2023. Investors should also read 'Principal Risks and Uncertainties' in the Group's Annual Report for the year ended 31 December 2023 beginning on page 119. Nothing in this document should be considered to be a forecast of future profitability, dividend forecast or financial position of the Group and none of the information in this document is or is intended to be a profit forecast, dividend forecast, or profit estimate. Any forward-looking statement speaks only as at the date it is made. The Group does not undertake to release publicly any revision to these forward-looking statements to reflect events, circumstances or unanticipated events occurring after the date hereof. Bank of Ireland Key Messages FY23 Results | 26 February 2024 Page 5 of 5