Bank of Ireland Financial Overview

Significantly higher capital generation... RWAS €46.8bn¹ 15.4% Fully Loaded CET1 340bps (70bps) (140bps) (240bps) RWAS €52.5bn 14.3% Dec 22 Net organic capital² RWA³ KBCI/IFRS 17 Distributions to shareholders Dec 23 For footnotes please refer to slide 39 Bank of Ireland Net organic capital generation of 340bps RWA growth of €5.7bn primarily reflects KBCI (€3.5bn of RWA), lending and operational risk RWA Total distribution of c.€1.15bn / 240bps Ordinary dividend of 60c (c.€634m) / 140bps CET1 (40% payout ratio) Approved share buyback of €520m / 100bps CET1 (32% payout ratio) CET1 ratio 14.3% in line with >14% guidance 23

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