HY23 Interim Results Announcement

H1 2023 financial summary¹ • Total income² of €2.2bn vs €1.4bn in H122 . Bank of Ireland Loan book growth in Ireland of €8.8bn driven by KBCI portfolio and organic net lending of €0.8bn • Operating expenses performing in-line with guidance; CIR³ at 42% • Net credit impairment charge of €158m including KBCI Day 1 effects; NPE ratio 3.6% . Statutory PBT €1.0bn vs €0.4bn in H122 • ROTE4 of 18.5% (H122 7.0%) • Strong liquidity position; deposit growth of €2.5bn in H123; LDR 79% . Fully loaded CET1 of 14.8%; net organic capital generation of 180bps 1 Comparative figures restated for application of IFRS 17 on 1 January 2023 2 Including share of associates and JVs and other income/expenses and valuation items 3 See slide 47 for basis of calculation 4 See slide 46 for basis of calculation; H122 adjusted to include non core within calculation basis; H122 reported ROTE 8.1% 13

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