Bank of Ireland Financial Overview

48% growth in net interest income Net interest income movement €2,482m €1,330m €600m (€730m) Bank of Ireland Increase in 2023 Liquid asset income from higher rates and growing deposit franchise Lending income driven by higher yields, Irish franchise momentum and KBCI transaction, marginally offset by UK personal loans impact¹ Higher wholesale and deposit funding costs 2024 outlook • Q4 2023 annualised run-rate of c.€3.65bn 2024 NII expected to be 5-6% lower than Q4 2023, reflecting interest rates* and higher deposit costs, partially offset by business momentum €3,682m • FY22 Liquid assets Lending Funding FY231 For footnotes please refer to slide 38 *Interest rate assumptions for end 2024: ECB deposit rate of 2.75%, BOE base rate of 4.0%, Fed Funds rate of 4.0% 13

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