Bank of Ireland Financial Overview

Overview of customer loans Profile of customer loans' at Dec 2023 (Gross) Bank of Ireland Composition (Dec 23) Mortgages Non-property SME & Corporate SME Corporate Property & Construction Investment Ireland (€bn) UK (€bn) ROW (€bn) Total (€bn) Total (%) 32.3 15.2 0 47.5 59% 10.6 4.8 5.0 20.4 25% 7.1 1.6 0 8.7 11% 3.5 3.2 5.0 11.7 15% 4.4 1.1 1.7 7.2 9% 4.1 1.0 1.6 6.7 8% Development 0.4 0.1 0 0.5 1% Consumer 2.4 3.4 0 5.8 7% Customer Loans (Gross) 49.8 24.5 6.7 81 100% Geographic (%) 61% 30% 8% 100% Gross lending volumes Retail Ireland Retail UK² Corporate and Commercial €0.9bn €1.3bn €0.3bn €0.1bn €0.8bn €0.7bn €0.0bn €1.3bn €0.5bn £0.2bn €0.6bn €0.9bn €0.9bn £0.2bn £1.8bn €4.9bn €3.9bn £1.7bn €3.2bn €3.4bn £1.7bn £1.0bn FY 22 FY 23 FY 22 FY 23 FY 22 FY 23 Mortgages Consumer Business Banking Corporate Ireland Property Others Acquisition Finance Corporate UK 1 Based on geographic location of customer 2 Retail UK consumer lending comprises £1.9bn of loans in Northridge and £1.1bn of lending in personal loans 43

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