Bank of Ireland Financial Overview

Regulatory capital requirements Bank of Ireland Pro forma CET1 regulatory capital requirements 2023 2024 2025 Pillar 1 CET1 4.50% 4.50% 4.50% Pillar 2 Requirement (P2R) 1.27% 1.32% 1.32% Capital Conservation Buffer (CCB) 2.50% 2.50% 2.50% Ireland Countercyclical buffer (CCyB) UK Countercyclical buffer (CCyB) US and Other O-SII Buffer Systemic Risk Buffer - Ireland Pro forma Minimum CET1 Regulatory Requirements Pillar 2 Guidance (P2G) 0.63% 0.94% 0.94% 0.50% 0.50% 0.50% 0.03% 0.03% 0.03% 1.50% 1.50% 1.50% 10.93% 11.29% 11.29% Not disclosed in line with regulatory preference Regulatory capital requirements • The Group is required to maintain a CET 1 ratio of 10.93% on a regulatory basis at 31 Dec 2023, increasing to 11.29% from Jun 2024 • CET1 P2R increased by 5bps from 1 Jan in 2024 following receipt of the 2023 SREP decision • 2024 requirements include the increase of the ROI CCyB from 1% to 1.5% from Jun 2024 • CET1 regulatory ratio of 14.5% provides headroom of c.360bps to Dec 2023 regulatory capital requirements of 10.93% . Regulatory total capital ratio of 19.2% at Dec 2023 provides headroom of c.380bps above 2023 total capital requirement of 15.40% 31

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