HY23 Interim Results Announcement

UK customer loans £21.8bn (€25.4bn)¹ UK Mortgages Wales £0.5bn South East £1.3bn ■Scotland £0.7bn Rest of England £5.8bn Greater London £2.7bn Northern Ireland £0.7bn Other UK customer loans £0.1bn Outer Metropolitan £1.6bn £0.1bn £2.8bn £0.0bn £0.0bn £1.3bn £0.9bn £0.1bn SME Corporate Investment Property £0.1bn £3.0bn • Land and development Consumer Performing Non-Performing Based on geographic location of customer UK Mortgages Analysis - £13.3bn Bank of Ireland • Total UK mortgages of £13.3bn; (NPES: 2.4%): • • - Average LTV of 56% on existing stock at Jun 2023 Average LTV of 71% on new UK mortgages in H123 67% of the current mortgage portfolio originated since 2010, of these 78% are standard owner occupier mortgages; 70% of owner occupied mortgage book on fixed rates, 27% maturing in the next 12 months BTL book (£4.7bn) is well seasoned with 60% originated prior to Jan 2010; £2.0bn of this book on fixed rates, 23% maturing in the next 12 months; average LTV on BTL portfolio of 50% at Jun 2023 Other UK Customer Loans Analysis - £8.5bn • • SME: relationship originated book from NI franchise; broad sectoral diversification with low concentration risk Corporate: specialist lending teams through a focused sector strategy; corporate lending primarily focused on FTSE and AIM listed companies Investment Property: average LTV 61% Consumer (£3.1bn): - Northridge (£1.9bn): Asset backed motor finance business; mid-market targeting prime business only; below average industry arrears and loan losses Personal loan volumes (£1.2bn): cautious approach given macro backdrop 30

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