HY23 Interim Results Announcement

Loan book growth reflects acquisitions and Irish net lending Group loan book movement €72.0bn €0.8bn €8.0bn (€0.6bn) (€0.2bn) €0.7bn Bank of Ireland €80.7bn Dec 22 KBCI portfolio Ireland (net lending) International corporate and property (net lending) Retail UK (net lending) Impairment / FX / other Jun 23 Loan book growth of 12% in H1 KBCI portfolio of €8.0bn acquired in Feb 2023 Net lending in Irish loan books (ex KBCI) of €0.8bn, primarily reflecting strong Irish mortgage new lending (+76% y/y) and modest growth in Irish corporate and business banking loans Reduction in international corporate and commercial property lending reflects cautious approach given uncertain outlook Pace of Retail UK deleveraging lower in H123 (H122 €2.0bn), reflecting agile response to market dynamics Outlook Group loan book expected to grow in H2, supported by continued growth in Ireland (primarily in residential mortgages) - partially offset by further modest deleveraging in UK and ongoing cautious approach to international corporate and property lending 17

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