HY23 Interim Results Announcement

Diversified loan book and strong asset quality Group loan book segment mix (net) Consumer €5.7bn Property and 7% Construction 10% €7.8bn €80.5bn 25% ■Non-property SME and corporate €20.5bn 1.8% 3.6% €2.6bn €12.6bn €57.8bn Ireland Mortgages 38% €31.0bn 20% UK Mortgages €15.4bn Group loan asset quality 1.7% 3.6% €2.9bn €13.8bn €65.1bn Dec 22 Jun 23 Stage 1 Stage 2 Stage 3 ILA coverage NPE % Bank of Ireland Considered approach to customer lending • Disciplined credit underwriting approach based on adherence to prudent risk appetite, credit policies, and portfolio and single-name concentration limits Loan book strongly collateralised • . Weighted average LTV of Ireland mortgages 53%; H123 new lending 76% Weighted average LTV of UK mortgages 56%; H123 new lending 71% Property and Construction portfolio c.10% of Group loan book; c.90% of CRE lending in investment property, weighted average LTV of 59%, c.70% in Ireland Non property SME and corporate includes acquisition finance book of c. €4.9bn with strong credit track record; CRT covers c.50% of this book Prudent provisioning approach Coverage of 1.7%; reduction in H123 primarily reflects KBCI transaction Stage 2 loans increase of €1.2bn reflects model updates and SICR assessments NPE ratio stable vs Dec 2022 at 3.6%; KBCI transaction added €0.2bn in NPES Ambition to further reduce NPE ratio 21

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