Bank of Ireland Financial Overview

UK customer loans £21.3bn (€24.5bn) £0.3bn Bank of Ireland Land and development • • • UK mortgages - £13.2bn; NPES 2.6% Average LTV of 57% on existing stock at Dec 2023; average LTV of 74% on new UK mortgages in 2023 70% of the current mortgage portfolio originated since 2010; of these, 79% are standard owner occupier mortgages BTL book (£4.4bn) is well seasoned with 58% originated prior to Jan 2010; £2.1bn on fixed rates, 24% maturing in next 12 months; average LTV on BTL portfolio of 51% at Dec 2023 Other UK customer loans (excluding personal loans) - £8.1bn Corporate: specialist lending teams in acquisition finance and corporate lending through a focused sector strategy; corporate lending primarily focused on FTSE350 companies Northridge: Asset backed motor finance business; mid-market targeting prime business only; below industry arrears and loan losses; participating in FCA s. 166 review of historical commission arrangements; update expected later in the year SME: relationship originated book from NI franchise; broad sectoral diversification with low concentration risk Investment Property: primarily retail, office and residential sectors; average LTV of 55% UK personal loans - £1.1bn • Decision to exit UK personal loans announced in Dec 2023. Book in run down and held as non-core from Sept 2023 Portfolio divestment non-core charge of €18 million includes income of €28m, expenditure of €24m and impairment charges of €22m £12.8bn £0.1bn £0.0bn £0.1bn £2.7bn £0.0bn £0.0bn £1.9bn £1.3bn £1.0bn £0.9bn £0.0bn- -£0.1bn Residential mortgages UK Corporate Northridge SME UK personal loans Investment Performing Non-performing 45

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