CRHCRH plc

Interest rate and leverage risks As at of December 31, 2024, 2025, the Company had outstanding gross indebtedness, including overdrafts, finance lease liabilities and the impact of derivatives, of approximately $14.3 $18.2 billion, compared to $11.8 $14.3 billion in 2023, 2024, and cash Cash and cash equivalents and restricted Restricted cash of approximately $3.8 $4.1 billion, compared to $6.4 $3.8 billion in 2023. 2024.

The Company holds significant cash and cash equivalents and restricted cash on deposit and derivative transactions with a variety of highly rated highly-rated financial institutions which at as of December 31, 2024, 2025, totaled $4.1 billion and $60 million, compared to $3.8 billion and $27 million, compared to $6.4 billion and $37 million, respectively, in 2023. 2024.

In addition, certain of the Company’s activities give rise to significant amounts receivable from counterparties at the balance sheet date; at as of December 31, 2024, 2025, this balance was $4.7 billion and in 2024 this balance was $4.4 billion and in 2023 this balance was $4.1 billion.

See the discussion within 'Non-GAAP “Non-GAAP Reconciliation and Supplementary Information' Information” on pages 40 35 to 42. 38 for a reconciliation to the most directly comparable GAAP measure.

The risks and uncertainties we describe below relate to future events, expectations, trends, and operating periods, are subject to change and are not the only ones we face.

CRH’s Risks Related to Our Industry and Our Business Industry Cyclicality and Economic ConditionsCRH’s business depends on construction demand, and construction activity is inherently cyclical and influenced by multiple factors, including global and national economic circumstances (particularly those affecting the infrastructure and construction markets), monetary policy, consumer sentiment, swings in fuel and other input costs, and weather conditions that may, individually or collectively, disrupt outdoor construction activity.

While current leverage is low, Significant acquisition activity could adversely affect our leverage profile and, in turn, adversely impact operating and financial flexibility as well as financial position.

The Company aims to achieve flexibility in funding sources through a variety of means including; including (i) maintaining cash and cash equivalents with a number of highly-rated counterparties;

In addition, as cybersecurity threats evolve, including from emerging technologies, such as advanced forms of AI and quantum computing, the Company is increasingly required to expend additional resources to enhance our cybersecurity protection measures and may be required to expend additional resources to investigate and remediate identified vulnerabilities.

In addition, CRH may also be negatively impacted by fluctuations in the price of fuel and principal energy-related raw materials, which accounted for approximately 10% of total Total revenues in 2025, consistent with 10% in 2024, compared to 11% in 2023, with no guarantee that the Company will continue to be able to absorb these inflationary pressures.

The allocation of government funding for public infrastructure programs is a key driver for our markets, such as the infrastructure elements of the Infrastructure Investment and Jobs Act (IIJA) IIJA in the United States, States and large European infrastructure initiatives.

Failure Strategic Mineral Reserves and PermittingFailure of CRH to maintain access to mineral resources and reserves, plan for reserve depletion depletion, and secure or maintain permits for its mining operations may result in operation stoppages, adversely impacting financial performance.

However, we have faced attempted cyber-attacks and may are likely to face future cyber-attacks, including malware or ransomware attacks, or suffer other human or technological errors that have a material impact.

For the years ended December 31 2025 2024 2023 2022 Total revenues 37,447 35,572 34,949 32,723 Total cost of revenues (23,919) (22,871) (22,986) (21,908) Gross profit 13,528 12,701 11,963 10,815 Selling, general and administrative expenses (8,283) (7,852) (7,486) (7,056) Gain on disposal of long-lived assets 235 237 66 50 Loss on impairments (40) (161) (357) – Operating income 5,440 4,925 4,186 3,809 Interest income 146 143 206 65 Interest expense (810) (612) (376) (344) Other nonoperating income (expense), net 29 258 (2) (69) Income from continuing operations before income tax expense and income from equity method investments 4,805 4,714 4,014 3,461 Income tax expense (1,041) (1,085) (925) (762) Loss Income (loss) from equity method investments 26 (108) (17) – Income from continuing operations Net income 3,790 3,521 3,072 2,699 Income from discontinued operations, net of income tax expense – – 1,190 Net income 3,521 3,072 3,889 Net (income) attributable to redeemable noncontrolling interests (28) (28) (27) (28) Net (income) loss attributable to noncontrolling interests (9) (1) 134 – Net income attributable to CRH 3,753 3,492 3,178 3,862 Basic Diluted earning per share attributable to CRH from continuing operations $5.06 $4.36 $3.58 Basic $5.51 $5.02 $4.33 Diluted earning per share attributable to CRH from continuing operations - pre-impairment* $5.48 $4.65 $3.58 $5.57 $5.43 $4.62 Adjusted EBITDA* 7,681 6,930 6,176 5,388

Payments due by period Total Less than 1 year 2-3 years 4-5 years More than 5 years in $ millions Short and long-term debt (i) 14,040 3,018 3,372 2,799 4,851 17,738 1,192 4,273 3,690 8,583 Lease liabilities (ii) 2,083 349 525 321 888 2,592 432 684 461 1,015 Estimated interest payments on contractually committed debt (iii) 3,501 470 765 535 1,731 6,694 736 1,322 1,034 3,602 Deferred and contingent acquisition consideration 58 44 10 3 1 70 56 7 5 2 Purchase obligations (iv) 2,549 1,750 439 150 210 Retirement benefit obligation commitments 2,380 1,673 381 92 234 Total (v) 18 3 6 4 5 Total (vi) 22,249 5,634 5,117 3,812 7,686 29,474 4,089 6,667 5,282 13,436

Proceeds from debt issuances were $4.0 $10.5 billion, an increase of $0.8 $6.5 billion, which was primarily related to the issuance of $3.0 billion and sale of $750 million 5.20% Senior Notes due 2029 $2.5 billion in new senior notes issued in January and $750 million 5.40% Senior Notes due 2034, the drawdown of a $750 million fixed rate loan due 2026, as well as October 2025, respectively, and the issuance of $1.7 $4.8 billion under the Company’s of commercial paper programs. paper.

The metric measures management’s ability to generate after-tax adjusted operating income from the net assets required to support that capital invested in the business, focusing on both profit after-tax operating income maximization and the maintenance of an efficient asset base; it encourages effective fixed asset maintenance programs, good decisions regarding expenditure on property, plant and equipment and the timely disposal of surplus assets. base.

In 2024, Americas Building Solutions' total Total revenues were up 1% ahead of compared to the prior year as positive year, supported by disciplined commercial management and contributions from acquisitions were partially acquisitions, which offset by subdued new-build residential demand and the impact of adverse weather. weather earlier in the year.

(CRH America), (1) $750 million of 5.200% Senior Notes due 2029 (the '5.200% Notes') and $1,250 million of 5.125% Senior Notes due 2030 (the '5.125% Notes'), each issued by CRH SMW Finance Designated Activity Company (SMW Finance) and $750 million 5.400% Senior Notes due 2034 (the '5.400% Notes') issued by CRH America Finance, Inc. (‘SMW Finance’);

Actual results could differ materially from those discussed in these forward-looking statements, as well as from our historical performance, due to various factors, including, but not limited to, those discussed in Item 1A “Risk Factors” and “Forward-Looking Statements – Safe Harbor Provisions Under The Private Securities Litigation Reform Act Of 1995” and elsewhere in this Annual Report on Form 10-K.

Adjusted EBITDA in for Americas Building Solutions was 18% 6% ahead of the prior year, 6% ahead on an organic* basis, driven supported by positive pricing ongoing business improvements, asset optimization initiatives and contributions from recent acquisitions acquisitions, which more than offset the impact of increased labor adverse weather and raw materials costs. subdued residential activity.

Loss on impairmentsLoss on impairments in 2024 2025 was $161 $40 million, compared with $357 $161 million in 2023, 2024, and was principally related to the International Solutions segment where an impairment was recognized related to the Architectural Products reporting unit, driven by challenging market conditions. Solutions.

Actual results could differ materially from those discussed in these forward-looking statements, as well as from our historical performance, due to various factors, including, but not limited to, those discussed in Item 1A “Risk Factors” and “Forward-Looking Statements – Safe Harbor Provisions Under The Private Securities Litigation Reform Act Of 1995” and elsewhere in this Annual Report on Form 10-K. 1A.

Americas Materials International Solutions’ total Total revenues were 5% 8% ahead of the prior year as price increases and year, driven by contributions from acquisitions offset lower activity levels which were impacted by adverse weather. and favorable pricing.

(Favorable) Unfavorable 0.25 Percentage Point Increase 0.25 Percentage Point Decrease in $ millions Inc (Dec) in Benefit Obligation Inc (Dec) in Annual benefit Benefit Cost Inc (Dec) in Benefit Obligation Inc (Dec) in Annual Benefit Cost Actuarial Assumptions Discount Rates Pension (90.3) (1.7) 95.7 4.1 (87.67) (3.55) 92.70 2.86 Other postretirement benefits (2.8) (0.2) 2.9 0.3 (3.30) (0.28) 3.48 0.31 Expected return on plan assets – (7.1) – 7.1 — (7.74) — 7.74