Investor Presentaiton

% of GNI* Households balance sheet strength Debt levels much lower coming into pandemic + Covid savings Private sector balance sheets are not over leveraged - healthy position will insulate against tighter monetary policy 157 Gross HH saving rates have jumped in Ireland more than in most countries due to forced savings/income supports 35 175 150 135 129 110 125 100 75 71 64 53 44 83 50 51 35 14 25 0 T Household debt SME debt Public debt 2003 2008 2013 12022 Source: Central Bank of Ireland, Eurostat, CSO Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency Savings % of disposable income, 4Q MA 30 25 20 15 10 50 | | I 2005 2010 2015 2020 - Ireland Euro Area 19 - - United Kingdom Source: CSO, CSO, ONS, Eurostat Note: Gross Savings as calculated by the CSO has tended to be a volatile series, some caution is warranted when interpreting 16 this data

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