Bank of Ireland Financial Overview

Significant buffer to potential MDA' restrictions Regulatory CET1 ratio vs. MDA Threshold c.3.5% MDA Buffer MDA Buffer c.3.2% 1.16% 1.47% 1.5% 1.5% 14.5% 2.5% 2.5% Pillar 1 Pillar 2 CCB 11.0%² 11.29% O-SII 1.27% 1.32% ■CCYB 4.5% 4.5% Dec 23 Regulatory CET1 ratio Dec 23 Regulatory CET1 ratio requirement Future Regulatory CET1 ratio requirement³ 31.7% MREL ratio vs. MREL-MDA Threshold Dec 23 MREL ratio For footnotes please refer to slide 39 • M-MDA Buffer c.2.8% 5.16% 23.75% SRB Target CBR Jan 24 Requirement Bank of Ireland • • Regulatory CET1 ratio of 14.5% at Dec 2023; includes c.20bps of transitional adjustments which are expected to be phased out in 2024 Dec 2023 Regulatory CET1 ratio provides a buffer of c.3.5% to Dec 2023 MDA threshold and c.3.2% over future MDA threshold Future regulatory CET1 requirement reflects phase-in of ROI CCYB (1.5% from Jun 2024) The Group's MREL requirements to be met from 1 January 2024, are c.28.9% on RWA basis and 7.59% on a leverage basis4 Dec 2023 MREL ratio of 31.7% (12.4% on a leverage basis) provides a buffer of c.2.8% to current MREL-MDA threshold The Group issued €2.25bn of MREL eligible senior debt in 2023 28

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