HY23 Interim Results Announcement

Bank of Ireland Portfolio by stage Composition (Jun 23) Gross carrying amount (before impairment loss allowance) Impairment loss allowance Sectoral analysis by stage Stage 1 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 €m Residential Mortgages 41,181 4,664 729 147 46,721 - Republic of Ireland 27,485 3,208 351 147 31,191 - UK 13,696 1,456 378 15,530 Non-property SME and corporate 14,774 5,043 1,426 1 21,244 Republic of Ireland SME 5,314 1,469 499 1 7,283 - UK SME 1,246 311 111 1,668 - Corporate - Investment - Land and development Consumer - Motor Lending UK - Loans UK - Motor Lending ROI - Loans ROI - Credit Cards ROI Total Composition (Dec 22) 8,214 3,263 816 Property and construction 4,197 3,351 385 3,377 3,211 366 820 140 19 4,959 791 173 110001 - 12,293 8 7,941 6,962 979 5,924 1,772 376 33 2,181 1,118 257 56 1,431 797 3 23 823 755 129 49 1 934 517 26 12 555 BERTRIEB031323003 28 69 133 6 236 0.5% 16 39 89 6 150 0.5% 30 44 86 0.6% 61 163 528 752 3.5% 55 254 341 4.7% 4 17 40 61 3.7% 25 91 234 350 2.8% 63 95 172 2.2% 60 90 161 2.3% 3 5 11 1.1% 46 57 101 204 3.4% 5 11 19 0.9% 29 37 42 108 7.5% - 9 12 1.5% 8 11 31 50 5.4% 4 8 15 2.7% 65,111 13,849 2,713 157 81,830 148 352 857 7 1,364 1.7% Gross carrying amount (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 €m €m Residential Mortgages 34,020 3,546 450 4 38,020 18 38 89 1 146 0.4% - Republic of Ireland 19,733 2,484 251 4 22,472 8 22 69 1 100 0.4% - 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 Republic of Ireland SME 4,931 1,683 561 7,175 39 63 269 - UK SME 1,177 280 121 1,578 4 12 45 - Corporate - Investment - Land and development Consumer 9,145 2,702 852 16 12,715 22 78 249 Property and construction 3,864 3,922 355 60 8,201 10 53 102 INTING 46 0.3% 2 783 3.6% 371 5.2% 61 3.9% 351 2.8% 195 2.4% 3,216 3,469 339 60 7,084 7 47 97 181 2.6% 648 453 16 1,117 3 6 5 14 1.3% 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 ROI 736 23 759 4 10 14 1.8% - Loans ROI 686 137 40 863 8 9 21 38 4.4% - Credit Cards ROI 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% 33

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