Investor Presentaiton

€2,482m FY22 Key Financial Highlights 48% growth in net interest income €1,330m Liquid assets €600m Lending (€730m) Funding €3,682m Improved asset quality and strong coverage maintained Group loan book segment mix (net) Group loan asset quality ■Consumer €5.6bn Property and Construction (CRE) €7.0bn 7% 9% ■Non-property SME and corporate €19.9bn 1.8% 4% 17% 40% Ireland mortgages €32.1bn €79.5bn 25% 79% 19% UK mortgages €14.9bn 3.6% FY2311 1.5% 3.1% 3% 16% 81% Dec 22 Dec 23 ■Stage 1 ■Stage 2 Stage 3 ILA coverage NPE % Significantly higher capital generation... Fully Loaded CET1 RWAS €46.8bn 13 340bps (70bps) 15.4% (140bps) (240bps) RWAS €52.5bn 14.3% Dec 22 Net organic capital 12 RWA13 KBCI/IFRS 17 Distributions to shareholders Dec 23 ...results in sustainable step change in distributions Net organic capital generation c.2x Distributions c.3x €1,154m 260-340bps 135-185bps 2021-2022 11 Restated for impact of IFRS 17; reported FY22 RWA €47.5bn 2023-2024 €350m FY22 FY23 12 Net organic capital generation primarily consists of attributable profit after impairment and movements in regulatory deductions, and is calculated with reference to RWAS at the start of the period 13 RWA movements from changes in loan book mix, asset quality and movements in other RWAS Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Page 3 of 5

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