Bank of Ireland Financial Overview

Return on Tangible Equity (ROTE) FY 2023: Headline vs. Adjusted Adjustments FY 2023 Headline Additional gains & valuation items, Adjusted for CET1 ratio at 14.0% Pension Surplus Bank of Ireland FY 2023 Adjusted (€m) (€m) net of tax Profit for the period Coupon on Additional Tier 1 securities Preference share dividends 1,601 (69) (6) Adjusted profit after tax 1,526 (40) 1,486 At December 2023 Shareholders' equity 11,592 (167) (692) 10,733 Intangible assets (1,408) (1,408) Shareholders' tangible equity 10,184 (167) (692) 9,325 Average shareholders' tangible equity 9,847 (450) (828) 8,569 Return on Tangible Equity (ROTE) 15.5% 17.3% Profit after tax (per above) Average CET1 @ 14% Return on Capital • FY23 Adjusted Return on Tangible Equity is adjusted for: - - Additional gains and valuation items, net of tax - €40m - Average shareholders' tangible equity calculated on a CET1 Ratio at 14.0% - €450m Pension surplus - €828m 1,526 7,211 21.2% 55

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