Bank of Ireland Financial Overview

Operating expenses' in line with c.€1.85bn guidance Operating expenses movement² €1,675m €39m €81m €62m Bank of Ireland €1,857m Acquisitions primarily Davy and KBCI €39m (c.2.5%) net growth reflects inflation and BAU investment, partially offset by pension costs and efficiencies Other includes accrual for performance- related variable pay and additional investment to drive future efficiencies FY22 (restated)³ Acquisitions Net growth Other FY23 €1,857m FY24 outlook AWWWW Mid-single digit % higher FY23 Net growth Additional investment FY24 guidance For footnotes please refer to slide 39 2024 outlook Operating expenses mid-single digit % higher net growth (BAU investment, inflation partially offset by efficiencies) additional investment to drive future efficiencies Levies and regulatory charges €160-165m 17

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