IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis

Cost-to-income ratio: HY 2023 Headline vs Adjusted Net interest income Other income Bank of Ireland H1 2023 Headline (€m) 1,802 Pro forma adjustments (€m) H1 2023 Pro forma (€m) 1,802 - Business income 350 350 - Additional gains, valuation and other items 49 (49) (0) Total Income 2,201 (49) 2,152 Costs - Operating expenses Costs Cost-to-income ratio (907) (907) 41% (907) (907) 42% Cost-to-income ratio excludes: Levies and regulatory fees Non-core items . HY23 adjusted cost-to-income ratio is adjusted for: Additional gains, valuation and other items of €49m 52

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