HY23 Interim Results Announcement

Capital and Liquidity Dec 22 Jun 23 Customer loans 72 81 Liquid assets Other assets Total assets 49 44 30 31 151 156 Customer deposits 99 102 Wholesale funding 11 12 Shareholders' equity 12 12 Other liabilities 29 30 Total liabilities 151 156 TNAV per share €8.63 €9.24 Dec 22 Jun 23 Liquidity Coverage Ratio 221% 193% Net Stable Funding Ratio 163% 153% Loan-to-deposit ratio 73% 79% Bank of Ireland Liquidity Funding and liquidity remains strong from stable customer deposits and MREL issuance Customer loans: €80.7bn Overall Group customer loan volumes of €80.7bn at 30 Jun 2023 are €8.0bn higher (constant currency basis) than 31 Dec 2022, primarily due to the KBCI portfolio acquisition Customer deposits: €101.7bn Overall Group customer deposit volumes of €101.7bn at 30 Jun 2023 are €2.5bn higher than 31 Dec 2022, primarily due to the KBCI transaction and growth in Irish franchise Wholesale funding: €12.1bn • €1bn higher than Dec 2022 due to a senior MREL bond issuance of €0.8bn in Jan 23 MREL RWA ratio of 30.7% at Jun 2023 The liquidity coverage ratio decreased to 193% at Jun 2023 primarily due to the KBCI transaction, partially offset by MREL issuance, with the loan-to-deposit ratio increasing from 73% to 79% Leverage Ratio Fully Loaded Leverage Ratio: 6.5% Regulatory Leverage Ratio: 6.6% Tangible Net Asset Value TNAV increased c.7% to €9.24 since Dec 2022 40

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