Bank of Ireland Financial Overview

Bank of Ireland Slide 29: Risk Weighted Assets (RWAS) / Leverage ratio 1. EAD and RWA include both IRB and Standardised approaches and comprise both non-defaulted and defaulted loans 2. Securitised exposures are excluded from the table (i.e. excludes exposures included in CRT transactions) 3. Exposure at default (EAD) is a regulatory estimate of credit risk exposure consisting of both on balance exposures and off-balance sheet commitments Slide 30: EBA Transparency Exercise 2023 1. Charts represent 30 June 2023 figures published by the EBA forA BN AMRO, AIB Group, BBVA, Banco de Sabadell, Banco Santander, B NP Paribas, CaixaBank, Commerzbank, Danske Bank, Deutsche Bank, Erste Group, Groupe Credit Agricole, ING Groep, Intesa Sanpaolo, KBC Group, Nordea Bank, Rabobank, Skandinaviska Enskilda Banken, Société Générale, Swedbank, Unicredit 2. Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Corporates - Of Which SME" at 30 June 2023 3. Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Corporates - Excluding SME & Specialised Lending" at 30 June 2023 4. Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Retail - Secured on Real Estate Property - SME" and "Retail - Secured on Real Estate Property - Non SME" at 30u Jne 2023 5. "Leverage Ratio - Using a transitional definition of Tier 1 Capital" at 30 June 2023 Slide 32: Credit ratings 1. BOIMB is the Group's issuer of Irish Covered Bonds (ACS). Moody's has not assigned an issuer rating to BOIMB Slide 36: Use of proceeds 1. As determined by reference to established energy performance benchmarks. Bank of Ireland anticipates drawing on the most current dataset available at the time of the allocation process (including datasets compiled by any retained technical consultants). As average building energy efficiencies and related datasets improve, relevant benchmarks and determinations involving proxies (e.g. Building Energy Ratings) will be updated accordingly. Slide 37: Green Bond Allocation Report - 31 December 2023 1. Optional Redemption Date of 10-May-2026 2. Optional Redemption Period from 11-May-2026 to 11-Aug-2026 3. Ireland only 4. Optional Redemption Period from 06-Sep-2027 to 06-Dec-2027 5. Euro equivalent amount (Exchange rate of 29 December 2023; GBP 1 = EUR 1.1535, USD 1 = EUR 0.9059) 6. Optional Redemption Date of 16-Sep-2025 7. Optional Redemption Date of 16-Jul-2027 8. Optional Redemption Date of 04-Jul-2030 9. Optional Redemption Date of 13-Nov-2028 10. Represents new loans added to the portfolio since Dec 2022, does not capture change in amount on loans that were in the portfolio as at 31st Dec 2022 11. https://investorrelations.bankofireland.com/app/uploads/Green-Bond- Framework-March-2021.pdf 40

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