Windsor Framework & Northern Ireland Protocol Overview

Capital ratios strengthened in last 10 years Bank's balance sheets contracted and consolidated since GFC CET 1 capital ratios allow for ample forbearance in 2023 Loan-to-deposit ratios have fallen in recent years as deposits 100 have increased on back of HH savings, banks leaving 17% 17% 16% 16% 15% 16.5% 15% 15.7% ឬននននននននន 90 80 70 60 50 40 30 14% 15.0% °14.7% 14.8% 14.4% 14% Loan-to- Deposit % Loans (€bn) Loan-to- Deposit % Loans (€bn) 13% CET1 % (Transitional) CET1 % (Fully Loaded) AIB BOI AIB BOI PTSB Dec-19 Jun-23 Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta Source: Published bank accounts National Treasury Management Agency Note: "Fully loaded" CET1 ratios used. Refers to the actual Basel III basis for CET1 ratios. 71 14

View entire presentation