Investor Presentaiton

2024 guidance Income NII 5-6% lower than Q4 2023 annualised Total business income mid-single digit % higher Cost of risk Low 30s bps Strong capital generation Interim distributions to commence in 2024 Operating expenses Mid-single digit % higher Cost-to-income ratio < 50% ROTE > 15% in 2024 On track to deliver on our 2023-2025 financial targets Overview of Credit Ratings and Key Capital and Liquidity Ratios Bank of Ireland Group plc (holding company of the Group) Rating Agencies Long Term Outlook Short Term Standard & Poor's Moody's Fitch BBB A3 BBB+ ESG Rating Agency Sustainalytics Rating 17.9 S&P Global 50 Stable Positive Stable MSCI A A-2 N/A F2 CDP B Governor and Company of the Bank of Ireland Rating Agencies Standard & Poor's Moody's Fitch Long Term A A1 (Deposit Rating A1) A- Outlook* Stable Positive (Deposit Outlook Positive) Stable Covered Bond N/A Aaa N/A Rating Short Term A-1 Prime-1 F2 Fully Loaded CET1 Regulatory CET1 Fully Loaded Leverage Ratio MREL Ratio Capital Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Liquidity Ratios 14.3% Liquidity Coverage Ratio 196% 14.5% Net Stable Funding Ratio 157% 6.3% 31.7% Loan to Deposit Ratio 80% Page 4 of 5

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