Investor Presentaiton

Capital ratios strengthened in last 10 years Bank's balance sheets contracted and consolidated since GFC CET 1 capital ratios allow for ample forbearance in 2022 17% 16% 15% 16.6% 16.0% 16.1% 14% 15.3% 15.5% 14.7% Loan-to-deposit ratios have fallen significantly as loan books 200 150 100 50 were slashed Loan-to- Deposit % Loans (€bn) Loan-to- Deposit % Loans (€bn) 13% CET1% (Transitional) CET1 % (Fully Loaded) AIB BOI AIB BOI PTSB Dec-10 Jun-22 Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency Source: Published bank accounts Note: "Fully loaded" CET1 ratios used. Refers to the actual Basel III basis for CET1 ratios. 73

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