Investor Presentaiton

House price increases slowing Irish mortgage rates moving slower than other countries House prices have peaked in most countries but Irish prices declining at slower rate Pass-through from ECB hikes to mortgage rates much less than seen in other countries Mortgage interest rate on new lending for house purchase 102 98 $ 8 8 8 0.5 Finland Italy Portugal Austria Luxembourg Germany Greece I I I I I I I I -12-10 -8 -6 -4 -2 0 2 4 6 8 10 12 Netherlands Months since peak in house prices Cyprus Ireland Canada Germany United Kingdom Netherlands Norway United States Sweden Finland Belgium Spain Euro Area New Zealand - Ireland Source: StatCan, CBS, Nationwide, S&P Global, EUROPACE, Real Estate Norway (Eiendom Norge), REINZ, France Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency SCB, CSO, StatFin 1.0 1.5 2.0 2.5 3.0 excludes revolving loans and others ▲ 1/2022 4/2023 3.5 4.0 4.5 Source: ECB 49 69

View entire presentation