HY23 Interim Results Announcement

Bank of Ireland Regulatory capital requirements Pro forma CET1 regulatory capital requirements 2022 2023 2024 Pillar 1 CET1 4.50% 4.50% 4.50% Pillar 2 Requirement (P2R) 1.27% 1.27% 1.27% Capital Conservation Buffer (CCB) 2.50% 2.50% 2.50% Ireland Countercyclical buffer (CCYB) UK Countercyclical buffer (CCyB) US and Other O-SII Buffer (phase in July each year) Systemic Risk Buffer - Ireland Pro forma Minimum CET1 Regulatory Requirements Pillar 2 Guidance (P2G) 0.00% 0.62% 0.93% 0.26% 0.53% 0.53% 0.01% 0.03% 0.03% 1.50% 1.50% 1.50% 10.04% 10.95% 11.26% Not disclosed in line with regulatory preference Regulatory capital requirements • . The Group is required to maintain a CET 1 ratio of 10.37% on a regulatory basis at Jun 2023, increasing to 10.95% from Dec 2023 and 11.26% in Dec 2024 (excluding P2G) 2023 requirements include the phase-in of (i) the ROI CCyB to 0.5% from Jun 2023 and to 1% from Nov 2023; and (ii) the UK CCyB to 2% from Jul 2023 . 2024 requirements include the increase of the ROI CCyB from 1% to 1.5% from Jun 2024 • CET1 headroom of c.405bps to Dec 2023 regulatory capital requirements of 10.95% . Regulatory total capital ratio of 19.7% at Jun 2023 provides headroom of c.425bps above 2023 total capital requirement of 15.43% 44

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