HY23 Interim Results Announcement

Strong strategic delivery • Net interest income +68% y/y, total business income +23% y/y Bank of Ireland Financial performance €1.0bn • Costs +12%, in line with guidance (like-for-like broadly flat) PBT • Strong liquidity with LDR of 79% and a 3% increase in customer balances Strategic progress +12% Total customer loans vs Dec 2022 Delivering annual financial targets 180bps Strong net organic capital generation • . • • Asset quality remains resilient c. €2bn HNW customer migration from BOI Private to Davy Wealth; €8bn KBCI transaction Digitalisation and simplification of business model progressing at pace NPS at highest ever level; colleague engagement +3pts vs sector ESG - €1.5bn increase in sustainable lending since Dec 2022 • 18.5% ROTE (H122 7.0%) Cost-to-income ratio of 42% (H122 60%) Capital allocation strategy reflected in strong FL CET1 ratio of 14.8% Distribution decisions will be assessed at year end and informed by strong performance Strategic management actions and business model development supporting improved financial performance 5

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