IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis

Strong retail franchise and liquidity metrics Growing retail deposit base €99bn €11bn €9bn €59bn €102bn €11bn €9bn €60bn €20bn €21bn Dec 22 Jun 23 Irish personal deposits Group credit balances¹ UK deposits ■Commercial deposits Personal deposits (€56bn) Non personal deposits (€46bn) 24% Insured ■Uninsured 76% 75% Insured Uninsured Includes personal and non personal credit balances in ROI (€55bn) and UK (€5bn) 2 Source: CSO, Q1 household incomes and spending; four quarter moving average, seasonally adjusted 3 Dec 2022 comparatives: LCR 221%, NSFR 163%, LDR 73% Bank of Ireland Customer deposits • • Increase in volumes primarily due to growth in Retail Ireland of €2.6bn, including KBCI deposit portfolio; Q123 Irish household savings ratio at 12%2 53% of Group customer balances are insured, including 76% of personal customer balances; average Irish personal account balance of €16k Credit balances/current accounts c.60% of Group customer deposits Modest migration into term/regular saver products observed following price changes to date; expected to increase over current rate cycle Strong funding and liquidity position . LCR 193%; NSFR 153%; LDR 79% at Jun 20233 25% • Liquid assets €44bn; primarily €31bn in central bank balances and €10bn in highly rated investment securities (interest rate exposure fully hedged) Ratings upgrade from S&P in Jun 2023 to BBB and from Fitch in July 2023 to BBB+ 20

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