Bank of Ireland Financial Overview

Summary highlights • Strong capital generation of 340bps in 2023; 260-280bps expected in 2024 Capital Future capital issuance influenced by market conditions and refinancing/growth • RWA • Bank of Ireland IRB RWA density across largest customer loan portfolios continues to exceed a wide distribution of European peers Basel IV expected to have a modest positive impact from 2025 MREL • MREL ratio of 31.7% at Dec 2023; materially above MREL requirement of c.28.9% MREL eligible senior debt issuance of c.€1bn-€2bn p.a. anticipated; Green bonds will continue to form part of capital and MREL issuance • Economy Highly attractive Irish market • Strong household finances; growing Irish housing and mortgage market • Improved asset quality; strong coverage maintained Asset Quality • NPE ratio reduced by c.50bps to 3.1% at Dec 2023 33

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