Bank of Ireland Group (BIRG) investor relations material

Opening remarks and agenda

• Introduced the board, executive team, and auditor; outlined safety and accessibility measures for shareholders attending in person and via audio cast.

• Agenda included presentations on financial performance, strategy, shareholder Q&A, and voting on 18 resolutions.

Financial performance review

• Achieved profit before tax of EUR 1.4 billion, with a 13.9% adjusted return on tangible equity and a CET1 ratio of 15.1%.

• Grew Irish loan book by 6% to EUR 82.5 billion, deposits by 4%, and wealth assets by 9% to EUR 60 billion.

• Total income reached EUR 4.2 billion, with 7% growth in fee income, and operating expenses rose 3%.

• Supported construction of 26,000 homes, with EUR 2.5 billion in funding and EUR 100 million equity for new housing.

• Invested over EUR 1.5 billion in technology and operational resilience, enhancing digital capabilities.

Board and executive committee updates

• Board and executive team focused on concluding the three-year strategy and launching a new strategy to 2028.

• Discussed the defined benefit pension fund, its surplus status, and ongoing annual reviews.

• Addressed shareholder concerns on pension clawbacks and committed to continued dialogue and review.