Bank of Ireland Financial Overview

Strong retail deposit franchise Growth in customer deposits Term migration trends €99bn €77.6bn €100bn €6.5bn €7.8bn €13.6bn €13.9bn €4.1bn €81.2bn Everyday Banking €4.5bn €80.1bn €5.2bn €76.7bn €80.1bn €77.6bn €73.5bn €74.8bn Dec 22 Dec 23 Dec 22 Jun 23 Fixed term/notice/regular saver Current accounts/demand deposits Everyday Banking (Ireland deposits) Corporate deposits UK deposits Dec 23 Bank of Ireland 2023 deposit trends Increase in volumes primarily due to growth in Everyday Banking of €2.5bn Everyday Banking performance in H2 reflects underlying growth offset by flows to Davy H223 migration of €0.7bn into term/ other products, concentrated in Q4 2024 outlook Modest growth in customer balances expected Pace of migration to term expected to be similar to Q4 run rate 26

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