Bank of Ireland Financial Overview

Balance sheet Bank of Ireland Dec 22 (€bn) Dec 23 (€bn) • Customer loans 72 80 • Liquid assets 49 44 Other assets 30 32 Total assets 151 156 Customer deposits 99 100 • Wholesale funding 11 12 Shareholders' equity 11 12 Other liabilities 30 32 Total liabilities 151 156 TNAV per share Closing EUR/GBP FX rates €8.63 €9.65 0.89 0.87 • Dec 22 Dec 23 (€bn) (€bn) Liquidity Coverage Ratio 221% 196% Funding & Liquidity Funding and liquidity remains strong from stable customer deposits and MREL issuance LDR increased (73% to 80%), NSFR reduced (163% to 157%) and LCR decreased (221% to 196%); the changes in all three ratios primarily reflect the impact of the KBCI transaction Customer deposits: €100.2bn Overall Group customer deposit volumes of €100.2bn at 31 Dec 2023 are €1.0bn higher than 31 Dec 2022, primarily due to growth in Irish Everyday Banking retail balances, partially offset by a reduction in corporate and Retail UK deposits Wholesale funding: €11.8bn • €0.6bn higher than Dec 2022 primarily due to MREL eligible senior debt issuances of €2.25bn, partially offset by MREL eligible senior debt redemption / maturities of €1.7bn Capital and MREL requirements primary driver of new wholesale funding Tangible Net Asset Value Net Stable Funding Ratio 163% 157% • TNAV increased c.12% to €9.65 Loan-to-Deposit Ratio 73% 80% 27

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