Bank of Ireland Financial Overview

Regulatory Ratios RWAS €47.5bn¹ 15.9% (30bps) 340bps Regulatory CET1 (70bps) (140bps) (240bps) Bank of Ireland RWAS €52.6bn 14.5% Dec 22 CRD Phasing Net organic capital² RWA KBC/IFRS 17 Distributions to shareholders Dec 23 Regulatory Capital Metrics CET1 Ratio Tier 1 Items/Instruments: CET1 Dec 22 15.9% Dec 23 14.5% 2.0% 1.9% Tier 1 Ratio 17.9% 16.4% Tier 2 Items/Instruments: 3.1% 2.8% Total Capital Ratio 21.0% 19.2% Risk Weighted Assets³ €47.5bn €52.6bn . MREL Ratio 31.5% 31.7% Leverage Ratio 6.5% 6.4% For footnotes please refer to slide 39 Movement in Regulatory CET1 ratio broadly aligned with movement in fully loaded ratio Tier 1 & Total Capital Reduction in Tier 1 and Total Capital ratios broadly aligned with reduction in CET1 ratio Tier 1 and Tier 2 buckets reduced by c.10bps and c.30bps to 1.9% and 2.8% respectively reflecting RWA growth in the period MREL MREL eligible senior debt issuance of €2.25bn in 2023; partially offset by redemption of €0.6bn MREL ratio of 31.7%; c.280bps above MREL requirement of c.28.9% 25

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