Investor Presentaiton

A. Preliminary Group Financial Results - Statutory Basis (continued) Unaudited Consolidated Balance Sheet as at 31 December 2022 Assets 2022 €000 2021 (restated)* €000 Cash and balances with central banks 9,567,258 9,230,883 Loans and advances to banks Derivative financial assets Investments at FVPL 204,811 291,632 48,153 6,653 190,209 199,194 Investments at FVOCI 467,375 748,695 Investments at amortised cost 2,046,119 1,191,274 Loans and advances to customers 9,953,252 9,836,405 Life insurance business assets attributable to policyholders 542,321 551,797 Prepayments, accrued income and other assets 639,764 616,219 Stock of property 1,041,032 1,111,604 Investment properties 85,099 117,745 Deferred tax assets 227,521 265,481 Property and equipment 253,378 252,130 Intangible assets 168,322 184,034 Non-current assets and disposal groups held for sale 358,951 Total assets 25,434,614 24,962,697 Liabilities Deposits by banks 507,658 457,039 Funding from central banks 1,976,674 2,969,600 Derivative financial liabilities 16,169 32,452 Customer deposits 18,998,319 17,530,883 Insurance liabilities 679,951 736,201 Accruals, deferred income, other liabilities and other provisions 384,004 361,977 Provisions for pending litigation, claims, regulatory and other matters 127,607 104,108 Debt securities in issue 297,636 302,555 Subordinated liabilities 302,104 340,220 Deferred tax liabilities 43,822 46,435 Total liabilities Equity 23,333,944 22,881,470 Share capital 44,620 44,620 Share premium 594,358 594,358 Revaluation and other reserves 178,240 213,192 Retained earnings 1,041,152 986,623 Equity attributable to the owners of the Company 1,858,370 1,838,793 Other equity instruments 220,000 220,000 Non-controlling interests 22,300 22,434 Total equity 2,100,670 2,081,227 Total liabilities and equity 25,434,614 24,962,697 * Comparative information was restated following certain changes in the presentation of the primary statements. 5

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