HY23 Interim Results Announcement

Total business income¹ 23% higher Bank of Ireland H1 2022 (€m) restated H1 2023 (€m) Retail Ireland² 71 74 Wealth and Insurance³ 80 166 • Retail UK (13) (18) Corporate and Markets² 145 138 Group Centre and other (10) (10) Business Income 273 350 Share of associates /JVs 21 11 Total Business Income incl. JVs 294 361 • H123 performance . Retail Ireland reflects higher current account fee income and customer activity, partially offset by lower interchange fees Wealth and Insurance performance reflects - Six months' contribution of Davy in H123 (vs one month in H122) Wealth and Insurance (ex-Davy) business momentum Retail UK expense primarily reflects partnership profit-sharing arrangement, with benefits reflected in net interest income Corporate & Markets fee income reduction reflects underlying business growth offset by impacts of cessation of business activity Valuation and other items reflect market movements Other income/(expenses) 83 (1) Valuation and other items (61) 50 Outlook Other Income 316 410 • H223 total business income¹ expected to be broadly in line with H123 1 Including share of associates and JVs Comparative Corporate & Markets and Retail Ireland restated for transfer of Business Banking ROI from Retail Ireland into Corporate & Markets 3 Comparative Wealth and Insurance restated for application of IFRS 17 18

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