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Investor Presentaiton

Capital ratios strengthened in last 10 years Bank's balance sheets contracted and consolidated since GFC CET 1 capital ratios (H1 2021) allow for ample forbearance in 2021/22 Loan-to-deposit ratios have fallen significantly as loan books were slashed 25% 20% 15% 200 150 100 50 10% 19.3% 17.4% 15.3% 16.4% 15.3% 14.1% 5% Loan-to- Deposit % Loans (€bn) Loan-to- Deposit % Loans (€bn) 0% CET1% (Transitional) CET1 % (Fully Loaded) AIB BOI AIB BOI PTSB Dec-10 Dec-20 Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency Source: Published bank accounts Note: "Fully loaded" CET1 ratios used. Refers to the actual Basel III basis for CET1 ratios. 79 12

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