Bank of Ireland Financial Overview

Supporting Irish businesses and a complementary international footprint Corporate and Commercial Bank of Ireland Retail UK Ireland €3.4bn Irish SME new lending (+6% y/y) €0.9bn Irish corporate new lending (+1% y/y) Property and international corporate -10% Net reduction in property and international corporate book y/y 3.4% Coverage ratio on CRE portfolio (+100bps y/y) Serving simple and complex customer needs +22% Growth in new lending y/y +57% Increase in underlying PBT since 2019 Delivering strong returns through niche strategy 6

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