HY23 Interim Results Announcement

Non-property SME and Corporate Gross loans by stage €21.5bn €1.5bn €4.7bn €15.3bn Dec 22 ILA movement Bank of Ireland 3.6% €5m (€36m) €21.2bn €1.4bn €5.0bn €783m €14.8bn 3.5% €752m Jun 23 Dec 22 Stage 1/2 Stage 3 Jun 23 ■Stage 1 Stage 2 Stage 3 ILA % of gross loans Non-property SME and corporate • 26% of Group loan book, well diversified by geography and sector €0.3bn increase in Stage 2 loans since FY22 driven by model updates; partly offset by portfolio activity Stage 3 balances decreased by €0.1bn, with stage 3 cover stable at 37% Total impairment cover of 3.5% at HY23 stable vs FY22, and remains higher than FY 2019 (2.4%) 36

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