IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis

2023 guidance upgraded Income NII in H223 expected to be modestly higher than H123 Total business income¹ in H223 expected to be broadly in-line with H123 Cost of risk FY23 impairment charge expected to be mid 30s bps, subject to no material change in economic conditions or outlook 1 Including share of associates and JVs ROTE FY23 expected to be similar to H123 Bank of Ireland Operating expenses FY23 operating expenses expected to be c.€1.85bn Capital and distributions H223 net organic capital generation expected to be broadly similar to H123 FY23 dividend and share buyback decisions will be assessed at year end 33

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