Investor Presentaiton

Bank of Ireland Key Messages FY23 Results Bank of Ireland Step change in business performance Strategic delivery Strong financial performance Step change in distributions +23% +8% +18% Irish loans New customers¹ AUM €1.9bn 42% 17.3% PBT CIR² ROTE² 340bps Capital generation³ (2018-22 avg 100bps) 14.3% CET1 €1.15bn 72% total distribution 13% of market capitalisation4 Strong Irish retail performance Irish residential mortgages +8% Net Irish mortgage book growth y/y (excluding KBCI portfolio)5 Everyday Banking Wealth and Insurance €80.1bn Irish customer balances (+€2.5bn in 2023) €46bn AUM (+18% y/y) 41% Irish mortgage market share (+13pts y/y) +11% Customer fee income y/y €3.3bn Net inflows (+275% y/y) Capturing value in a growing market Protecting and growing relationship value Leading the market via clear brand propositions 1 New Irish bank channel customer relationships as a proportion of total customers at the start of the year 2 Basis of calculation set out in FY23 Investor Presentation 3 Net organic capital generation 4 Based on market capitalisation of Bank of Ireland Group plc as at 31 Dec 2023 Excluding KBCI portfolio acquisition but including redemptions. 11% growth excluding KBCI redemptions Bank of Ireland Key Messages | FY23 Results | 26 February 2024 Page 1 of 5

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