Bank of Ireland Financial Overview

Bank of Ireland Risk Weighted Assets (RWAs) / Leverage ratio Customer lending average credit risk weights - Dec 20231,2 (Based on regulatory exposure class) Ireland Mortgages UK Mortgages SME Corporate Other Retail Customer lending credit risk IRB approach accounts for: 54% of credit EAD (Dec 2022: 55%) 67% of credit RWA (Dec 2022: 70%) EBA transparency exercise 2023 Country by country average IRB risk weights Residential Mortgages - Jun 2023 Sweden Belgium France Netherlands Denmark Germany EAD³ RWA (€bn) (€bn) Avg. Risk Weight 31.8 8.6 27% 15.8 3.6 23% 15.1 11.5 76% United Kingdom Finland 11.4 10.5 93% Austria 6.4 4.4 68% Portugal Spain 80.4 38.6 48% Italy Norway Ireland 4.9% 8.6% 9.8% 11.2% 14.5% 14.7% 14.9% 15.3% 17.1% 17.9% 18.2% 18.9% 20.8% 27.7% EBA risk dashboard - Dec 2023 Country by country average regulatory leverage ratios For footnotes please refer to slide 40 Denmark Belgium Spain Italy Sweden Germany Portugal Norway Netherlands Austria France Finland Ireland 5.0% 5.5% 5.6% 5.8% 5.9% 6.3% 6.3% 6.8% 7.0% 7.1% 7.5% 8.2% 8.3% 29

View entire presentation