Investor Presentaiton

Capital/MREL Summary Highlights Corporate Reorganisation Corporate Reorganisation implemented; Group holding company (BOIG) introduced on top of the existing Group structure Ratings Economy Regulatory Ratios MREL Bank of Ireland Group BOIG assigned investment grade ratings from Moody's, S&P and Fitch; future senior and junior debt issuance for MREL purposes expected be issued from BOIG Continued economic growth in core markets; supporting strong organic capital generation Robust regulatory ratios provide significant buffer to credit investors (c.700bps buffer to MDA) Based on current total capital issuance and SRB MREL Policy, modest new MREL issuance expected 23

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