Irish Sovereign Green Bonds Update

Capital ratios strengthened as banks shrunk and consolidated in last ten years CET 1 capital ratios allow for amble forbearance in 2020 Loan-to-deposit ratios have fallen significantly as loan books were slashed 20% 200 18% 180 160 16% 140 14% 120 12% 100 10% 80 17.3% 8% 15.6% 14.6% 15.1% 13.8% 13.4% 40 6% 862 60 20 4% 2% 0% CET1 % (Dec 2019) CET1 % (Dec 2020) AIB BOI PTSB Source: Published bank accounts 11 Loan-to- Deposit % Loans (€bn) Loan-to- Deposit % Loans (€bn) AIB BOI Dec-10 Dec-20 Source: Published bank accounts Note: 71 Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency "Fully loaded" CET1 ratios used. Refers to the actual Basel III basis for CET1 ratios.

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