Bank of Ireland Financial Overview

Portfolio by stage Bank of Ireland Composition (Dec 23) Gross carrying amount (before impairment loss allowance) Impairment loss allowance Sectoral analysis by stage Stage 1 €m Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI Total ILA % of gross loans €m €m €m €m €m €m €m €m €m Residential Mortgages 42,786 3,574 770 142 47,272 40 56 141 9 246 0.5% - Ireland 29,365 2,354 383 142 32,244 - UK 13,421 1,220 387 15,028 Non-property SME and Corporate 14,737 4,632 1,080 1 20,450 - Ireland SME 5,667 1,144 342 1 7,154 - UK SME 1,154 313 80 1,547 - Corporate 7,916 3,175 658 11,749 Property and Construction 3,336 3,518 369 7,223 - Investment property 2,934 3,429 320 6,683 - Land and development Consumer 402 89 49 540 4,870 801 130 5,801 - Motor lending UK 1,749 410 38 2,197 - Loans UK 966 234 15 1,215 - Motor lending Ireland 798 3 12 813 - Loans Ireland 800 117 55 972 - Credit cards Ireland 557 37 10 604 225352223642603 28 32 89 9 158 0.5% 12 24 52 88 0.6% 154 330 549 2.7% 45 161 242 3.4% 22 22 49 3.2% 87 147 258 2.2% 144 80 249 3.4% 141 69 232 3.5% 3 11 17 3.1% 67 61 178 3.1% 7 13 24 1.1% 29 41 1 71 5.8% - 5 11 1.4% 8 13 36 57 5.9% Total 65,729 12,525 2,349 143 80,746 180 6 421 6 15 2.5% 612 9 1,222 1.5% Gross carrying amount Composition (Dec 22) (before impairment loss allowance) Impairment loss allowance ILA % of Sectoral analysis by stage Stage 1 Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI Total gross loans €m €m €m €m €m €m €m €m Residential Mortgages 34,020 3,546 450 4 38,020 18 38 89 - Ireland 19,733 2,484 251 4 22,472 8 22 69 - UK 14,287 1,062 199 - 15,548 10 16 20 Non-property SME and Corporate 15,253 4,665 1,534 16 21,468 65 153 563 - Ireland SME 4,931 1,683 561 7,175 39 63 269 - UK SME 1,177 280 121 1,578 4 12 45 - Corporate 9,145 2,702 852 16 12,715 22 78 249 EININ €m €m 1 146 0.4% 1 100 0.4% 46 0.3% 2 783 3.6% 371 5.2% 61 3.9% 351 2.8% Property and Construction 3,864 3,922 355 60 8,201 10 53 102 195 2.4% - Investment property 3,216 3,469 339 60 7,084 7 47 97 181 2.6% - Land and development 648 453 16 1,117 3 6 5 14 1.3% Consumer 4,694 510 146 5,350 49 41 81 171 3.2% - Motor lending UK 1,553 225 27 1,805 3 4 9 16 0.9% - Loans UK 1,216 126 45 1,387 31 25 34 90 6.5% - Motor lending Ireland 736 23 759 4 10 14 1.8% - Loans Ireland 686 137 40 863 8 9 21 38 4.4% - Credit cards Ireland 503 22 11 536 3 3 7 13 2.4% Total 57,831 12,643 2,485 80 73,039 142 285 835 33 1,295 1.8% 48

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