Bank of Ireland Financial Overview

Ireland mortgages New lending volumes and market share 28% 23% €2.4bn 41% €4.9bn €3.9bn FY 21 FY 22 New lending volumes FY 23 Market share Bank of Ireland Ireland mortgages (gross) €32.0bn €22.4bn €22.5bn €23bn €13.1bn €15.6bn €2.5bn €6.8bn €3.6bn €1.6bn €5.3bn €5.4bn Dec 21 ■Tracker Dec 22 Variable rates Fixed rates Dec 23 Pricing strategy LTV profile • Fixed rate led mortgage pricing strategy which provides value, certainty and stability to our customers and to the Group . Fixed rate products accounted for c.97% of our new lending in FY 2023, up from c.30% in 2014 Distribution strategy - continued expansion into broker channel The Group has continued building out The Mortgage Store broker channel in 2023, establishing a large network of active brokers at a national level Wider proposition • 5 in 10 Ireland customers who take out a new mortgage take out a life assurance policy through the BOI Group 4 in 10 Ireland customers who take out a new mortgage take out a general insurance policy through the BOI Group with insurance partners Average LTV of 53% on mortgage stock at Dec 2023 (Dec 2022: 51%) Average LTV of 74% on new mortgages in 2023 (2022: 72%) Tracker mortgages • • • €5.4bn or 98% trackers at Dec 2023 are on a capital and interest repayment basis 87% of trackers are Owner Occupier mortgages; 13% of trackers are Buy-to- Let mortgages Macroprudential rules c.66% of Irish residential mortgage book originated since introduction of Central Bank of Ireland macroprudential rules in 2015 Weighted average LTV for pre 2015 mortgages is < 40% 44

View entire presentation