Investor Presentaiton

Latent demand is strong Mortgage drawdowns increasing Mortgage drawdowns* (000s) rose in recent quarters after Covid-19 impact Thousands 120 80 60 20 ཁྐྲ ཎྜ 8 ཋ ¥ ཤྐ ॰ 100 0 2006 2008 2010 2012 2014 2016 2018 2020 2022 Residential Investment Letting ■Mover purchaser First Time Buyers Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency Source: BPFI; CSO *4 quarter sum used (LHS) Non-mortgage transactions still important - c.40% of all Thousands 25 20 15 250 10 transactions 80% 60% 40% 20% 0% Non-mortgage transactions Mortgage drawdowns for house purchase Non-mortgage transactions % of total (RHS) 69 49

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