CRH (CRH) 10-K risk factor changes: FY2025 vs FY2024

In addition to the other information contained in this [removed: Annual Report on] Form 10-K, you should carefully consider the following risk factors before investing in our [removed: ordinary shares.][added: Ordinary Shares.]

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

Additional risks and uncertainties of which we are not aware or that we currently believe are immaterial may also adversely affect the business, financial [removed: condition] [added: condition,] and results of operations of the Company.

If any of the possible events described below were to occur, the business, financial [removed: condition] [added: condition,] and results of operations of the Company could be materially and adversely affected.

This [removed: Annual Report on] Form 10-K also contains forward-looking statements that involve risks and uncertainties.

Our actual results may differ materially from those anticipated in these forward-looking statements as a result of various factors, including [added: (but not limited to)] the risks described below and elsewhere in this [removed: Annual Report on] Form 10-K.

[removed: *CRH’s] [added: Risks Related to Our Industry and Our BusinessIndustry Cyclicality and Economic Conditions*CRH’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.*

With a significant proportion of construction activity undertaken outside (e.g. highway construction), demand for and the utilization of the Company's products and services such as [added: cementitious materials,] aggregates, [removed: asphalt] [added: asphalt, concrete,] and concrete [added: products] can be highly seasonal in line with customer demand, and may additionally be impacted by acute and/or chronic changes in global and/or localized weather events/conditions.

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 [removed: total] [added: Total] revenues in [removed: 2024, compared to 11%] [added: 2025, consistent with 10%] in [removed: 2023,] [added: 2024,] with no guarantee that the Company will continue to be able to absorb these inflationary pressures.

[removed: *CRH’s] [added: Government Infrastructure Spending*CRH’s] financial performance may be adversely impacted by reductions or delays in government infrastructure spending.*

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

[removed: *Adverse] [added: Adverse Geopolitical Change/Environment*Adverse] public policy, economic, [removed: social] [added: social,] and political situations in any country in which the Company operates could lead to a number of risks including health and safety risks for the Company's people, a fall in demand for the Company’s products, business interruption, restrictions on repatriation of earnings and/or a loss of plant access.*

CRH primarily operates across North America, [removed: Europe] [added: Europe,] and Australia.

In addition, CRH has people, [removed: assets] [added: assets,] and operations in Ukraine and neighboring countries, which face physical risk due to the ongoing conflict.

CRH [removed: Form] [added: FORM] 10-K [removed: 13]

[removed: *CRH’s] [added: Health and Safety Performance*CRH’s] businesses operate in an industry with inherent health and safety risks, including the operation of heavy vehicles, working at height, use of mechanized processes, and handling of substances and materials potentially hazardous to people, animal life and/or the environment.

Further, CRH is subject to a broad and stringent range of existing and evolving laws, regulations, [removed: standards] [added: standards,] and best practices with respect to health and safety in each of the jurisdictions in which it operates.

Should CRH’s health and safety frameworks, [removed: processes] [added: processes,] and controls fail to comply with such regulations, the Company could be exposed to significant potential legal liabilities and penalties.

Any failure resulting in the discharge or release of hazardous substances to the environment (e.g. storage tank [removed: leaks,] [added: leaks] or explosions) could in addition expose CRH to significant liability remediation costs and/or penalties that impact our financial position.

In addition, potential issues with products could lead to health, safety and other issues for our broad range of stakeholders including our employees, contractors, [removed: customers] [added: customers,] and communities.

The [added: occurrence or] recurrence of [removed: Covid-19 and/or similarly] disruptive/dangerous pandemics could materially endanger our workers and/or contractors.

[removed: *CRH] [added: People Management*CRH] may not achieve its strategic objectives if it is not successful in attracting, engaging, [removed: retaining] [added: retaining,] and developing employees with the required skill sets, planning for leadership succession, developing an engaged and inclusive workforce, and building constructive relationships with collective representation groups.*

The identification and subsequent assessment, management, [removed: development] [added: development,] and deployment of talented individuals is of major importance in continuing to deliver on the Company’s strategy and in ensuring that succession planning objectives for key executive roles throughout its international operations are satisfied.

As well as ensuring the Company identifies, hires, integrates, engages, [removed: develops] [added: develops,] and promotes talent, the Company must attract and retain a broad workforce representing diversity of thought and perspective and maintain an inclusive working environment.

The Company operates in a labor-intensive industry and can face frontline labor shortages that impact its ability to produce goods, operate [removed: facilities] [added: facilities,] and install products.

Poor labor relations could create reputational risk for the Company and/or disrupt our businesses, raise [removed: costs] [added: costs,] and reduce revenues and earnings from the affected locations, with potential adverse effects on the results of operations and financial condition of the Company.

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

For additional information on the Company’s reserves position, see pages [removed: 22] [added: 21] to [removed: 26.][added: 25.]

[removed: *The] [added: Climate Change and Policy*The] impact of climate change may adversely affect CRH’s operations and cost base and the stability of markets in which the Company operates.

Risks related to climate change that could affect the Company’s operations and financial performance include both physical risks (such as acute and chronic changes in weather) and transitional risks (such as technological development, policy and regulation [removed: change] [added: change,] and market and economic responses).*

CRH [removed: Form] [added: FORM] 10-K [removed: 14]

[removed: *CRH] [added: Portfolio Management*CRH] engages in acquisition and divestiture activity as part of active portfolio management, and this portfolio management activity presents risks around due diligence, [removed: execution] [added: execution,] and integration of assets.

In addition, situations may arise where the Company may be liable for the past acts, omissions or liabilities of acquired companies, or may remain liable in cases of divestiture (including for potential environmental liabilities or potential [removed: on-going] [added: ongoing] information technology (IT) support).

[removed: *CRH’s] [added: Early-Stage Business/Technology Investment*CRH’s] venture capital unit may fail to achieve expected commercial success and financial returns, and CRH may lose all or part of its investments in early-stage companies.*

CRH, through its $250 million Venturing and Innovation Fund, makes investments in [removed: early stage] [added: early-stage] ventures focused on construction, sustainability and digitalization technology whose products and services may offer us future competitive advantage.

Investing in early-stage businesses and/or technologies presents inherent risks, with the potential that we may lose all or part of our investment if they fail to achieve anticipated strategic, [removed: technological] [added: technological,] and financial returns.

[removed: *If] [added: Sustainable Products and Innovation*If] CRH fails to develop new sustainable products that meet customer needs, we may fall behind our competitors and our financial performance may be adversely impacted.*

CRH [removed: Form] [added: FORM] 10-K [removed: 15]

[removed: *CRH] [added: Commodity Products and Substitution*CRH] manufactures and supplies a large number of commodity products into highly competitive markets.

Failure to differentiate and innovate could lead to [removed: market share decline, with] adverse impacts on financial performance.

The following risks are considered material to our business based upon current knowledge, information, and assumptions.

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Risks Related To Our Industry And Our Business

Industry Cyclicality and Economic Conditions

Government Infrastructure Spending

Adverse Geopolitical Change/Environment

Health and Safety Performance

People Management

Strategic Mineral Reserves and Permitting

Climate Change and Policy

Portfolio Management

Early Stage Business/Technology Investment

Sustainable Products and Innovation

Commodity Products and Substitution

Enabling Business Technology

Major Business Interruption

Cybersecurity

Supply Chain Failure

Construction Contracts

*CRH is subject to a wide variety of local and international laws and regulations.

Financial Instruments

Taxation Charge and Balance Sheet Provisioning

Foreign Currency Translation

Goodwill Impairment

Accounting Estimates

Self-Insurance

Risks Related To Our Common Stock

Payment of Dividends/Share Repurchase Program

Relocation of Primary Listing

*CRH faces risks associated with the relocation of our primary listing.*

On September 25, 2023, CRH relocated the primary listing of its ordinary shares from the LSE to the NYSE.

The Company has an international secondary listing on the LSE and accordingly our ordinary shares are now listed on both exchanges.

As a result of the relocation of the primary listing CRH has ceased to be eligible for inclusion in certain UK and European equity indices.

Following the transition to the NYSE, CRH has been added to the MSCI USA Equity Index, the S&P TMI Index and the Russell 1000 Equity Index.

The Company aims to be included in other relevant equity indices for which it believes it is eligible, including the S&P 500 Index.

Inclusion is however at the discretion of the respective index providers.

There is a risk that the Company may not be admitted, which may adversely affect the price and liquidity of the ordinary shares.

Our Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) is intended to convey [added: and promote understanding of] management’s perspective regarding operational and financial performance for fiscal years [removed: 2024, 2023] [added: 2025] and [removed: 2022.][added: 2024.]

“Financial Statements and Supplementary Data” of this [removed: Annual Report on] Form 10-K.

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 [removed: 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.][added: 1A.]

Our operating results depend upon economic cycles, seasonal and other weather‐related conditions, and trends in government [removed: expenditures,] [added: funding initiatives,] among other factors.

CRH’s [removed: differentiated solutions strategy uniquely integrates materials, products and services] [added: connected portfolio supplies building materials] across the construction value chain, better serving our customers’ needs and driving repeat [removed: business.][added: business while making construction simpler, safer and more sustainable.]

CRH delivered another record performance in [removed: 2024] [added: 2025] resulting in the following performance highlights (compared to [removed: 2023 and 2022):][added: 2024):]

- Total revenues increased to [removed: $35.6] [added: $37.4] billion, compared with [removed: $34.9 billion in 2023 and $32.7] [added: $35.6] billion in [removed: 2022;][added: 2024;]

Adjusted EBITDA* increased to [removed: $6.9] [added: $7.7] billion in [removed: 2024] [added: 2025] from [removed: $6.2] [added: $6.9] billion [removed: in 2023.]

- Net income margin was [removed: 9.9% in 2024, 8.8%] [added: 10.1%] in [removed: 2023] [added: 2025] and [removed: 11.9%] [added: 9.9%] in [removed: 2022.][added: 2024.]

Adjusted EBITDA margin* was [removed: 19.5%] [added: 20.5%] in [removed: 2024,] [added: 2025,] an increase of [removed: 180] [added: 100] basis points (bps) compared with an Adjusted EBITDA margin* of [removed: 17.7%] [added: 19.5%] in [removed: 2023.][added: 2024;]

[removed: In 2022, the] Adjusted EBITDA [removed: margin*] [added: margin] was [removed: 16.5%;][added: 30bps ahead of the prior year.]

- Cash paid to shareholders in [removed: 2024] [added: 2025] through dividends was [removed: $1.7] [added: $1.0] billion and through share buybacks was [removed: $1.3] [added: $1.2] billion, compared with [removed: $0.9] [added: $1.7] billion and [added: $1.3 billion, respectively, in 2024;]

- Full year dividend per share increase of [removed: 5%] [added: 6%] resulting in a dividend per share of [removed: $1.40] [added: $1.48] in [removed: 2024,] [added: 2025,] from [removed: $1.33] [added: $1.40] in [removed: 2023] [added: 2024;] and [removed: $1.27 in 2022;]

- Ongoing share buyback program in [removed: 2024] [added: 2025] repurchased approximately [removed: 15.9] [added: 11.7] million [removed: ordinary shares] [added: Ordinary Shares] for a total consideration of [removed: $1.3] [added: $1.2] billion, compared with [removed: $3.0 billion in 2023 and $1.2] [added: $1.3] billion in [removed: 2022; and][added: 2024.]

- [removed: 40] [added: 38] acquisitions completed for a total consideration of [removed: $5.0] [added: $4.1] billion in [removed: 2024,] [added: 2025,] compared with [removed: $0.7 billion in 2023 and $3.3] [added: $5.0] billion in [removed: 2022.][added: 2024.]

A further [removed: $2.6] [added: $2.7] billion was invested in [removed: development] [added: growth] and [removed: replacement] [added: maintenance] capital expenditure projects in [removed: 2024,] [added: 2025,] compared with [removed: $1.8 billion and $1.5] [added: $2.6] billion in [removed: 2023 and 2022, respectively.][added: 2024;]

[removed: *] [added: 9*] Represents a non-GAAP measure.

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

[removed: 5] [added: 6] Operating cash flow refers to [removed: net] [added: Net] cash provided by operating activities as reported in the Consolidated Statements of Cash Flows on pages [removed: 56] [added: 52] to [removed: 57.6][added: 53.7]

CRH [removed: Form] [added: FORM] 10-K [removed: 31]

[removed: The] [added: Our] largest acquisition in 2024 was in [added: our] Americas Materials Solutions [added: segment] where [removed: CRH] [added: we] acquired an attractive portfolio of cement and readymixed concrete operations and assets in Texas, for a total consideration of $2.1 billion.

In addition, [removed: Americas Materials Solutions] [added: we] completed [removed: a further] [added: another] 20 acquisitions [removed: and] [added: in our] Americas [removed: Building] [added: Materials] Solutions [removed: completed] [added: segment and] 10 acquisitions [added: in our Americas Building Solutions segment] for a total 2024 spend in the Americas of $3.8 billion.

[removed: International Solutions] [added: We also] completed nine acquisitions [added: in our International Solutions segment] for a total 2024 spend of $1.2 billion, including the acquisition of a majority stake in Adbri, a market leader in cement and aggregates in Australia.

[added: In 2024,] CRH completed 10 divestitures and realized proceeds from divestitures and disposal of long-lived assets (including deferred divestiture consideration received) of $1.4 billion, primarily related to the divestiture of the European Lime operations.

In [removed: 2023,] [added: 2025,] CRH completed [removed: 22] [added: 38] acquisitions for a total consideration of [removed: $0.7] [added: $4.1] billion.

[removed: On the divestitures front,] CRH [added: completed six divestitures and] realized proceeds from divestitures and disposal of long-lived assets (including deferred divestiture consideration received) of [removed: $0.1] [added: $0.5] billion.

In addition, [removed: Americas Building Solutions] [added: we] completed [removed: a further four] [added: another 18] acquisitions [removed: and] [added: in our] Americas Materials Solutions [removed: completed eight] [added: segment and five] acquisitions in [removed: the United States,] [added: our Americas Building Solutions segment] for a total [removed: 2023 spend] [added: 2025 investment] in the Americas of [removed: $0.4] [added: $3.4] billion.

[removed: International Solutions] [added: We also] completed [removed: nine] [added: 14] acquisitions [added: in our International Solutions segment] for a total [removed: 2023 spend] [added: 2025 investment] of [removed: $0.3] [added: $0.7] billion.

We expect [removed: positive] [added: favorable] underlying demand across our key [removed: end-use markets in 2025,] [added: end-markets,] underpinned by significant public investment in [removed: critical infrastructure, combined with increased re-industrialization activity in key non-residential segments.][added: infrastructure and continued reindustrialization activity.]

[added: Infrastructure*Americas*] Our North American businesses expect [removed: continued] positive momentum in infrastructure activity, [removed: supported] [added: underpinned] by robust state and federal [removed: funding.][added: funding, and continued support from the IIJA which was signed into law in November 2021.]

[removed: Although] [added: Within] the residential sector [removed: continues to be supported by strong long-term demand fundamentals,] [added: we expect resilient repair and remodel activity while] the new-build segment is expected to remain [removed: subdued while repair and remodel activity remains resilient.][added: subdued.]

Assuming normal seasonal weather patterns and absent any major dislocations in the political or macroeconomic environment, [removed: CRH’s] [added: CRH's superior strategy, connected portfolio and] leading positions of scale in attractive [removed: higher-growth] [added: high-growth] markets, together with our strong and flexible balance sheet, are expected to underpin another year of growth and value creation in [removed: 2025.][added: 2026.]

CRH [removed: Form] [added: FORM] 10-K [removed: 32]

The principal construction markets, for all segments, are infrastructure, including highways, streets, [removed: roads] [added: roads, tunnels] and bridges; non-residential, including construction [removed: and maintenance] of critical [removed: infrastructure,] [added: infrastructure for the transport of water and energy,] manufacturing, commercial, [removed: warehouse] [added: distribution] and data center facilities; and residential, including new-build construction, and repair and remodel activity, of single and multi-family housing.

“Business” for details by [removed: segment.][added: segment.8]

[removed: *Americas*][added: Residential*Americas*]

[removed: This provides] [added: The IIJA is] expected [added: to provide] federal highway funding of approximately $350 [removed: billion over five years,] [added: billion,] including $110 billion [removed: in new] [added: of incremental] funding for roads, bridges, and other infrastructure projects.

Aided by the IIJA, U.S. highway [added: and bridge] contract awards remained at elevated levels in [removed: 2024,] [added: 2025,] underpinning a positive outlook for [removed: 2025] [added: 2026] as state budgets reflect the need for increased public [removed: infrastructure funding for highways and bridges.][added: investment in infrastructure.]

After a [removed: resilient 2024,] [added: solid 2025,] the outlook for [removed: 2025] [added: 2026] in our International markets [removed: remains] [added: is] underpinned by government and EU funding for the infrastructure sector, which typically fluctuates less than residential and non-residential sectors.

In this [removed: sector] [added: sector,] the impact of the business cycle is mitigated by long-term projects and a high share of activities financed by the public sector, with multinational EU funds [added: serving as] a stabilizing factor in some of our larger markets.

For a discussion of our fiscal year 2024 results compared with our fiscal year 2023 results, please refer to Item 7.

"Management's Discussion and Analysis of Financial Condition and Results of Operations" portion of the Company's 2024 Annual Report on Form 10-K, filed with the SEC on February 26, 2025.

“Risk Factors” and “Forward-Looking Statements – Safe Harbor Provisions Under The Private Securities Litigation Reform Act Of 1995” and elsewhere in this Form 10-K.

CRH is the leading provider of building materials critical to modernizing infrastructure.

With our team of 83,032 people across 3,961 locations, our unmatched scale, connected portfolio, and deep local relationships make us the partner of choice for transportation, water and reindustrialization projects, shaping communities for a better tomorrow.

This customer-centric approach combines our unique entrepreneurial culture, leading performance and local market knowledge with our value-added building products and services to be a valuable partner for customers across our end-markets.

CRH’s leading positions of scale serve transportation and critical infrastructure, reindustrialization projects, and commercial and residential construction activity in North America, Europe and Australia.

- Net income increased to $3.8 billion compared with $3.5 billion in 2024.

- Operating cash flow6 and Net cash provided by operating activities as a percentage of Net income of $5.6 billion and 148% were ahead of

2024 levels of $5.0 billion and 142%, respectively.

Adjusted Free Cash Flow* and Adjusted Free Cash Flow Conversion* of $5.0 billion and

131% were ahead of 2024 levels of $4.2 billion and 120%, respectively; 7

- Operating income as a percentage of average invested capital was 15.2% in 2025 and 16.7% in 2024.

Adjusted Return on Invested Capital* (Adjusted ROIC), decreased by 130bps to 12.1% in 2025, from 13.4% in 2024; and

- Diluted Earnings Per Share (EPS) in 2025 was $5.51 compared with $5.02 in 2024.

Diluted EPS pre-impairment* was $5.57 in 2025 and

$5.43 in 2024.

Development reviewThe Company takes an active approach to portfolio management and continuously reviews the competitive landscape for attractive investment and divestiture opportunities to deliver further growth and value creation for shareholders.

Our largest acquisition in 2025 was in our Americas Materials Solutions segment where we acquired Eco Material, a leading supplier of SCMs in North America, for a total consideration of $2.1 billion.

The Eco Material transaction strategically positions CRH to meet growing demand for SCMs to modernize North America's infrastructure.

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North America is expected to be a key driver of future growth for CRH due to its positive demographic and economic fundamentals, including significant public investment in infrastructure and private investment in reindustrialization activity.

Our International businesses, which benefit from strong economic and construction growth prospects as well as recurring repair and remodel demand, are an important strategic part of the Company.

In 2025, approximately 75% of Net income and 71% of Adjusted EBITDA* was generated in North America, while approximately 25% of Net income and 29% of Adjusted EBITDA* was generated by our International Division.

CRH intends to continue to expand its North American and International operations given significant government support for infrastructure and increasing investment in transportation, water and reindustrialization projects.

We see significant funding runway ahead with approximately 50% of expected funds yet to be deployed.

In North America, a key driver of demand in the non-residential sector is increased reindustrialization activity across our operating footprint.

Large, multi-year construction projects (including data centers, semiconductors, pharmaceutical & auto manufacturing facilities) are underpinned by supportive U.S. government policies including significant pledged investments in areas such as manufacturing and industrial capabilities.

*International* The non-residential sector outlook is expected to improve in our International markets in 2026, supported by increased investment in technology-related sectors such as semiconductor manufacturing and data center facilities.

In Western Europe and Australia, improving construction confidence and supportive government initiatives are expected to support growth across the region.

Repair and remodel activity is expected to remain resilient in the near-term due to the continued need to maintain and renew the existing housing stock.

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| Diluted earning per share attributable to CRH | | | $5.51 | | | $5.02 | | | $4.33 | | | | | |

| Diluted earning per share attributable to CRH - pre-impairment* | | | $5.57 | | | $5.43 | | | $4.62 | | | | | |

Total revenuesTotal revenues were $37.4 billion in 2025, an increase of $1.9 billion, or 5%, compared with 2024, driven by favorable end-market demand, disciplined commercial execution and contributions from acquisitions.

The Gross profit margin of 36.1% increased 40bps from 35.7% in 2024, driven by disciplined cost management, continued operating efficiencies and ongoing business improvement initiatives.

CRH is a leading provider of building materials that build, connect and improve our world.

Since formation in 1970, CRH has evolved from being a supplier of base materials to solving complex construction challenges for our customers.

This customer-connected approach is making construction simpler, safer and more sustainable.

CRH integrates essential materials (aggregates and cement), value-added building products as well as construction services, to provide our customers with complete solutions.

CRH’s capabilities, innovation and technical expertise enable it to be a valuable partner for transportation and critical infrastructure projects, complex non-residential construction and outdoor living solutions.

- Net income increased to $3.5 billion compared with $3.1 billion in 2023, primarily due to higher gross profit along with higher gains on disposal of

long-lived assets and divestitures.

Net income was $3.9 billion in 2022.

In 2022 Adjusted EBITDA* was $5.4 billion;

- Operating cash flow5 of $5.0 billion was in line with 2023 operating cash flow of $5.0 billion and ahead of 2022 operating cash flow of $3.8 billion; 6

- Return on Net Segment Assets was 15.3% in 2024, 14.4% in 2023 and 13.1% in 2022.

Return on Net Assets (RONA)* increased by 20bps to 15.5% in 2024, from 15.3% in 2023.

RONA* was 13.3% in 2022; and

- Basic Earnings Per Share (EPS) from continuing operations in 2024 was $5.06 compared with $4.36 in 2023 and $3.58 in 2022.

Basic EPS

pre-impairment* from continuing operations was $5.48 in 2024, $4.65 in 2023 and $3.58 in 2022.

$3.0 billion, respectively, in 2023, and $0.9 billion and $1.2 billion, respectively, in 2022;

Delivering On Our Vision

CRH continues to evolve its business to improve performance, deliver for its stakeholders and respond to the ever-changing needs of its customers.

Our strategy enables CRH to realize our vision to develop sustainable solutions that build, connect and improve our world.

CRH has a specific set of capabilities in the markets in which it operates along with decades of experience and deep customer relationships.

CRH leverages its scale and best practices across the Company to provide value-added materials, products and services as construction solutions that solve complex problems for its customers.

These solutions allow us to create further value for our customers by combining our products, materials and services which drive commercial and operational benefits.

This connected portfolio allows us to leverage production and logistics efficiencies to drive increased profitability and asset utilization.

We can reduce waste and advance the sustainability of construction.

We believe it also makes our business less capital intensive and drives a higher rate of return delivering superior long-term value and higher growth for shareholders.

A business optimized for industry-leading performance

Through the successful execution of its strategy, CRH has shaped its business to capitalize on the attractive fundamentals driving demand in higher-growth construction markets in North America, Europe and Australia.

*Customer-connected solutions strategy:* Our differentiated strategy is focused on uniquely integrating materials, products and services across the construction value chain.

We leverage our scale, expertise and best practices to provide sustainable solutions that solve complex problems for our customers.

We utilize specific expertise in areas such as materials science, design and engineering to innovate and create new products.

This allows us to do more for our customers and help deliver a higher performing and more sustainable built environment.

*Performance-focused operator:* CRH has the ability to leverage its connected portfolio of assets in the most attractive markets and this has resulted in our record 2024 results with 12% increase in Adjusted EBITDA*, 180 bps increase in Adjusted EBITDA margin* and 16% higher basic EPS from continuing operations, with basic EPS from continuing operations on a pre-impairment*7basis 18% higher.

These results are underpinned by a differentiated strategy delivered by an experienced management team with deep industry knowledge and a proven track record of consistent financial and operational delivery.

*Strong and flexible balance sheet:* At December 31, 2024, total short-term and long-term debt was $14.0 billion, cash and cash equivalents and restricted cash were $3.8 billion and Net Debt* was $10.5 billion.

We believe our strong and flexible balance sheet provides CRH with significant financial capacity for long-term value creation through accretive acquisitions, expansionary capital expenditure and cash returns to shareholders through dividends and share buybacks.

Focused growth

Our customers have an increasing need for more holistic solutions and CRH maximizes its overall growth potential by focusing on its ability to deliver solutions that meet this growing need.

We are focused on delivering our customer-connected solutions strategy and to do so we are working to better connect our people, capabilities, assets and customers across businesses, markets, and geographies.

We acquire businesses at attractive valuations and create value by integrating them with our existing operations and realizing synergies in areas including procurement, operational excellence, human resources, technology and sales.

[removed: Financial] [added: The Company’s financial] risk management [removed: at the Company] seeks to minimize the negative impact of foreign exchange, interest rate and commodity price fluctuations on the Company’s earnings, cash flows and equity.

The following discussion presents the sensitivity of the market value, earnings and cash flows of the Company’s financial instruments to hypothetical changes in interest and exchange rates assuming these changes occurred [removed: at] [added: as of] December 31, [removed: 2024.][added: 2025.]

[removed: At] [added: As of] December 31, 2024, the Company had fixed rate debt of $10.8 billion and floating rate debt of $3.5 billion, representing 76% and 24%, respectively, of total debt, including overdrafts, finance leases and the impact of derivatives.

[removed: At] [added: As of] December 31, [removed: 2023,] [added: 2025,] the Company had fixed rate debt of [removed: $9.1] [added: $16.6] billion and floating rate debt of [removed: $2.7] [added: $1.6] billion, representing [removed: 77%] [added: 91%] and [removed: 23%,] [added: 9%,] respectively, of total debt, including overdrafts, finance leases and the impact of derivatives.

The Company’s interest rate swaps [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] whereby the Company swaps from fixed interest rates to floating interest rates, were [removed: $1.4] [added: $0.5] billion, compared to $1.4 billion as of December 31, [removed: 2023.][added: 2024.]

The Company’s interest rate swaps [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] whereby the Company swaps from floating interest rates to fixed interest rates, were [removed: $0.2] [added: $nil] billion, compared to [removed: $nil] [added: $0.2] billion as [removed: at] [added: of] December [removed: 2023.][added: 2024.]

Cash and cash equivalents and restricted cash [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] were [removed: $3.8] [added: $4.1] billion, compared to [removed: $6.4] [added: $3.8] billion [removed: at] [added: as of] December 31, [removed: 2023,] [added: 2024,] which was all held on short-term deposits and investments.

[removed: At] [added: *Sensitivity to interest rate moves* As of] December 31, [removed: 2024,] [added: 2025,] the before-tax earnings and cash flows impact of a 100 bps increase in interest rates, including the offsetting impact of derivatives, on the variable rate cash and debt portfolio would be approximately [removed: $2] [added: $24] million favorable [removed: ($37] [added: ($2] million favorable in [removed: 2023).][added: 2024).]

Foreign Exchange [removed: Rates Risk18][added: Rate Risk14]

Fluctuations in foreign currency exchange rates may affect (i) the carrying value of the Company’s net investment in foreign subsidiaries; (ii) the translation of foreign currency [removed: earnings] [added: earnings;] and (iii) the cash flows related to foreign currency denominated transactions.

The U.S. Dollar equivalent gross notional amount of the Company’s foreign exchange forward contracts was [removed: $4.6] [added: $4.3] billion [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] compared to [removed: $1.6] [added: $4.6] billion [removed: at] [added: as of] December 31, [removed: 2023.][added: 2024.]

Holding all other variables constant, if there were a 10% weakening in [removed: foreign currency] [added: the] exchange [removed: rates versus] [added: rate and value of the] U.S. Dollar [removed: for] [added: versus] the [added: other foreign currencies across the] portfolio, the fair market value of foreign currency contracts outstanding [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] would [removed: decrease] [added: increase] by approximately [removed: $86] [added: $201] million [removed: (at] [added: (as of] December 31, [removed: 2023,] [added: 2024,] would [removed: increase] [added: decrease] by approximately [removed: $2] [added: $86] million), [removed: which would be largely offset by a loss on] [added: with an offsetting movement in] the [added: hedged] foreign currency [removed: fluctuation of the underlying exposure being hedged.][added: exposure.]

[removed: Some] [added: Commodity Price RiskSome] of the Company’s products use significant amounts of commodity-priced materials, predominantly fuel and principal energy-related raw materials such as oil, electricity, coal and carbon credits, which are subject to price changes based upon fluctuations in the commodities market.

The timeframe for such programs can be up to [removed: four] [added: three] years.

See [removed: the discussion within 'Non-GAAP] [added: “Non-GAAP] Reconciliation and Supplementary [removed: Information'] [added: Information”] on pages [removed: 40] [added: 35] to [removed: 42.18][added: 38 for a reconciliation to the most directly comparable GAAP measure.14]

CRH [removed: Form] [added: FORM] 10-K [removed: 50]

| | | |

| --- | --- | --- |

| 45 | | |

*Sensitivity to interest rate moves*

Commodity Price Risk

CRH’s [removed: differentiated solutions strategy uniquely integrates materials, products and services] [added: connected portfolio supplies building materials] across the construction value chain, better serving our customers’ needs and driving repeat business while making construction simpler, safer and more sustainable.

[removed: Approximately] 60% of [added: Total] revenues came from sales to new-build construction, while 40% of [added: Total] revenues came from repair and remodel activity.

We [removed: achieve this by acquiring] [added: acquire] businesses at attractive valuations and [removed: creating] [added: create] value by [removed: integrating] [added: connecting] them with our existing operations and generating synergies.

In [removed: 2024,] [added: 2025,] CRH completed [removed: 40] [added: 38] acquisitions for a total consideration of [removed: $5.0] [added: $4.1] billion compared with [removed: $0.7] [added: $5.0] billion in [removed: 2023.][added: 2024.]

[removed: Essential] [added: Essential MaterialsEssential] Materials, consisting of aggregates and [removed: cement,] [added: cementitious materials,] are the foundation of CRH’s [removed: strategy.][added: connected portfolio.]

Our [removed: vertically integrated] businesses manufacture and supply these materials for use extensively in a wide range of construction applications, [removed: ranging] from major road and infrastructure projects to [added: large-scale reindustrialization facilities and] the development and refurbishment of commercial buildings, private [removed: residences, public spaces] [added: residences] and [removed: communities.][added: public spaces.]

Our [added: focus on continuous business improvement,] deep materials and [added: local] market [removed: knowledge, along with] [added: knowledge and] our extensive network of locations [removed: and assets, drive our] [added: drives] performance and helps us deliver value to our customers.

[removed: CRH] [added: Road SolutionsCRH] is a leading provider of [removed: solutions] [added: materials, products and services] for [removed: sustainable] road construction in North America and Europe.

With our capabilities in manufacturing, installation, maintenance and circularity, we deliver a range of innovative [removed: solutions] [added: products and services] for our customers to better connect our communities, from major public highway infrastructure projects to residential roads, airports and parking lots.

[removed: Fully integrated] [added: Together] with our Essential Materials businesses, we have developed our [removed: Road Solutions] [added: roads] offering to provide customers with quality, flexibility, speed, expertise and convenience through our deep market knowledge and highly capable team of professionals.

[removed: Our] [added: Building and Infrastructure SolutionsOur] Building & Infrastructure Solutions [removed: connect, protect] [added: connect] and [removed: transport] [added: protect] critical [removed: water, energy and telecommunications] infrastructure to help solve complex construction [removed: challenges.][added: challenges for transportation, water, energy, telecommunications and reindustrialization projects.]

[removed: We integrate design,] [added: Working closely with our Essential Materials and Roads businesses, we provide] materials, products and engineering [added: services] to enable the transition to a more [removed: sustainable and resilient] [added: durable] built environment.

[removed: Our products have] [added: With] a particular focus on [removed: the] below-ground [removed: built environment where] [added: construction,] we are a leading provider of multi-material [removed: infrastructure] [added: products] that [removed: connects] [added: renew] and [removed: protects] [added: protect] the critical [removed: projects] [added: infrastructure] that [removed: enhance] [added: enhances] the daily lives of millions of people.

See [removed: the discussion within 'Non-GAAP] [added: “Non-GAAP] Reconciliation and Supplementary [removed: Information'] [added: Information”] on pages [removed: 40] [added: 35] to [removed: 42.1][added: 38 for a reconciliation to the most directly comparable GAAP measure.1]

CRH [removed: Form] [added: FORM] 10-K [removed: 6]

CRH’s Outdoor Living [removed: Solutions] [added: businesses] integrate specialized materials, products and design features to enhance the quality of private and public spaces.

We help our customers in residential and commercial markets create unique outdoor settings by providing [removed: solutions] [added: products] for repair, remodel and new construction projects.

[removed: Our business] [added: Outdoor Living] is closely [removed: connected] [added: linked] to our [added: Essential Materials businesses and to our] customers through a [removed: broad] [added: wide] geographic network [removed: as well as] [added: providing] a comprehensive suite of products [removed: and services spanning] [added: including] hardscapes, masonry, fencing, [removed: railing,] [added: railing and] packaged lawn and garden [removed: products, pool finishes and composite decking.][added: products.]

We [removed: do this] [added: place a strong focus on anticipating the needs of customers] by continually enhancing our offering through [removed: innovation,] [added: innovation and technology,] portfolio expansion and multifaceted collaboration.

Our ability to replicate and scale our innovation and technical expertise between [removed: geographies provides] [added: our Americas’ and International businesses gives] us [removed: with] [added: further] opportunities for [removed: further] growth.

[removed: Through our Innovation Center for Sustainable Construction (iCSC), we] [added: We] have a [removed: global] network of experts across our businesses collaborating in the [removed: research, development] [added: research] and [removed: replication] [added: development] of innovative solutions.

CRH’s [removed: building materials solutions] [added: connected portfolio of essential materials, infrastructure products, and value-added services] play an important role in shaping a more [removed: sustainable] [added: resilient] built environment [removed: and,] [added: and] in [removed: 2024,] [added: 2025,] revenues from products with enhanced sustainability [removed: attributes1 was $14.6] [added: attributes3 were $15.7] billion, an increase of [removed: 5% compared with 2023 and an increase of 16%] [added: 7%] compared with [removed: 2022.][added: 2024.]

[removed: CRH’s] [added: Americas DivisionCRH’s] Americas Division [removed: comprises] [added: is comprised of] two segments: Americas Materials Solutions and Americas Building Solutions.

The North American market’s positive fundamentals, including [removed: strong population growth and] significant public investment in [removed: construction,] [added: infrastructure and private investment in reindustrialization activity,] is driving demand for CRH’s connected portfolio of materials, products and services.

Over several decades, CRH has established difficult to replicate, leading positions of scale across [removed: the United States] [added: North America] and [removed: Canada.][added: employs 49,828 people at 2,127 locations across 48 U.S. states and seven Canadian provinces.]

Americas Materials Solutions [removed: provides] [added: manufactures and supplies] building materials for the construction and maintenance of public [removed: infrastructure] and [added: private infrastructure,] commercial and [added: industrial applications, and] residential buildings in North America.

The primary materials produced by this segment include aggregates, [removed: cement,] [added: cementitious materials,] readymixed concrete and asphalt.

In [removed: 2024,] [added: 2025,] this segment accounted for [removed: approximately] 45% of CRH’s [removed: total] [added: Total] revenues and [removed: 54%] [added: 52%] of Adjusted EBITDA.

[removed: Approximately 50%] [added: In 2025, 40%] of [removed: segment] [added: Total] revenues came from infrastructure, [removed: 30%] [added: 32%] from [removed: non-residential] [added: residential] construction and [removed: 20%] [added: 28%] from [removed: residential] [added: non-residential] construction.

The Americas Materials Solutions segment leverages our benefits of scale, [removed: strong market knowledge,] deep industry [removed: expertise] [added: expertise, strong local brands] and [added: an] extensive array of essential materials to implement CRH’s strategy, offering [removed: value-added solutions which combine different types of] [added: high-quality] materials, products and services to satisfy multiple customer needs.

In turn, this enables CRH to provide a value-enhancing, differentiated [removed: experience,] [added: service,] saving time and reducing logistical challenges for [added: our] customers.

Through this [removed: customer-connected] [added: customer-centric] approach CRH aims to reduce lead times and complexity, deepening relationships, driving repeat business and increasing the share of customer wallet spent on CRH products and services.

[removed: Vertical integration is a] [added: Our unmatched scale and connected portfolio are] defining [removed: characteristic within] [added: characteristics of] this segment, enabling us to optimize production throughout the supply chain and to capture greater value.

[removed: 1] [added: 3] Revenues from products with enhanced sustainability attributes is defined as revenues derived from those products that incorporate any, or a combination of: recycled materials; are produced using alternative energy and fuel sources; have a lower carbon footprint as compared to those products using traditional manufacturing processes; [removed: and] [added: and/or] are designed to specifically benefit the environment.

CRH [removed: Form] [added: FORM] 10-K [removed: 7]

Americas Building Solutions [removed: manufactures, supplies] [added: manufactures] and [removed: delivers] [added: supplies] high-quality, [removed: value-added,] [added: value-added] innovative [removed: solutions for the built environment] [added: products that connect and protect critical infrastructure] in communities across North America.

This segment serves [removed: complex critical] [added: large-scale] infrastructure [removed: (such as] [added: construction (including transportation,] water, [removed: energy, transportation] [added: energy] and telecommunications [added: projects), reindustrialization activity (including manufacturing and data center] projects) and [added: provides] outdoor living solutions for enhancing private and public spaces.

In [removed: 2024,] [added: 2025,] Americas Building Solutions accounted for [removed: approximately 20%] [added: 19%] of CRH’s [removed: total] [added: Total] revenues and [removed: 20%] [added: 19%] of Adjusted EBITDA.

CRH’s ability to provide [removed: solutions] [added: products] which are tailored to the specific requirements of individual customer projects helps to drive competitive advantage and deliver sustainable growth in this segment.

CRH’s International Division, which [removed: comprises] [added: is comprised of] one segment, International Solutions, is a leading provider of [removed: integrated] building [removed: solutions primarily] [added: materials] across Europe and Australia.

CRH is the leading provider of building materials critical to modernizing infrastructure.

With our team of 83,032 people across 3,961 locations, our unmatched scale, connected portfolio, and deep local relationships make us the partner of choice for transportation, water and reindustrialization projects, shaping communities for a better tomorrow.

The Company, which has market leadership positions in North America, Europe and Australia, has grown rapidly since formation in 1970 and in 2025 generated $37.4 billion of Total revenues, $3.8 billion of Net income and $7.7 billion of Adjusted EBITDA*.1

This customer-centric approach combines our unique entrepreneurial culture, leading performance and local market knowledge with our value-added building products and services to be a valuable partner for customers across our end-markets.

CRH’s leading positions of scale serve transportation and critical infrastructure, reindustrialization projects and commercial and residential construction activity.

CRH has a proven track record of growing and creating value through acquisition with over 1,250 deals completed in our history.

The largest acquisition in 2025 was in our Americas Materials Solutions segment where the Company completed the acquisition of Eco Material Technologies (Eco Material), North America’s leading supplier of Supplementary Cementitious Materials (SCMs).

Our Connected Portfolio

CRH’s connected portfolio of value-added building materials, products and services serves transportation and critical infrastructure construction (including highways, bridges, rail, water, energy and telecommunications projects), reindustrialization activity (including manufacturing and data center projects) and commercial and residential markets across North America, Europe and Australia.

| | | |

| --- | --- | --- |

| 6 | | |

Business Segment InformationFor the year ended December 31, 2025, CRH was organized through three segments across two Divisions.

This segment capitalizes on secular market trends, including the urgent need to upgrade transportation and water infrastructure, the increased investment in reindustrialization activity and the growing demand for more sustainable construction to provide high-quality durable building products.

Cementitious Materials

Cementitious Materials also include fly ash, pozzolans, synthetic gypsum, calcined clay and Ground Granulated Blast-furnace Slag (GGBS) used to enhance the performance and sustainability of concrete.

1 Annualized sales volumes reflect the full-year impact of acquisitions and divestitures during the year and may vary from actual volumes sold.

(e.g. aggregates supplied internally for cement production).

| | | |

| --- | --- | --- |

| 7 | | |

These are typically supplied to the transportation, water, energy and telecommunications markets, in addition to complex reindustrialization projects.

- Increased levels of funding support for transportation infrastructure such as roads, bridges, tunnels, airports and rail networks;

- Growing reindustrialization activity in North America, Europe and Australia driving construction in areas such as manufacturing and data centers;

- The continued need to upgrade and modernize aging critical infrastructure such as water, energy and telecommunications systems;

Investing in technology and innovation across our operations enables CRH to develop higher performing businesses and better serve our customers' needs.

Our locally-led, globally-enabled approach and our leading performance model enable us to innovate across diverse geographies and markets, where it matters most for our customers.

Our customer-centric approach to innovation harnesses the strength of our internal research and development capabilities with the power of external partnerships and ventures across our connected growth platforms.

CRH Ventures, our venture capital arm, works in partnership with start-ups, industry players, and academic institutions to pilot and scale cutting-edge technologies and accelerate progress towards a more resilient built environment.

Sustainability is embedded in our strategy and is an important enabler of our leading performance model.

Our sustainability framework identifies three areas: water, circularity, and decarbonization where CRH’s connected portfolio of essential materials, infrastructure products, and value-added services positions us to capture further value and accelerate growth.

- Water: addressing the urgent need to modernize and expand water infrastructure through engineered solutions and management systems for water-resilient communities.

- Circularity: reimagining the way materials are used, including recycling and reusing construction and waste materials to create value, protect our asset base and extend the life of our reserves.

- Decarbonization: developing innovative solutions that support the construction of resilient, lower-carbon buildings and infrastructure.

CRH continues to enhance its capabilities to develop a higher-performing and more sustainable built environment through investment in innovative technologies.

The acquisition of Eco Material, a leader in SCMs, positions CRH at the forefront of next-generation cement and concrete.

Our strategic investment in VODA.ai expands our capabilities in water asset management with Artificial Intelligence (AI)-driven technology.

This platform helps utilities manage aging water infrastructure by providing AI-driven predictive analytics to assess pipe condition and risk across transmission, distribution, and collection systems.

We continue to build on our strong sustainability foundations: embedding responsible business conduct across our operations, protecting the natural world, and helping our people and communities to thrive.

This includes volumes which are used internally

CRH is a leading provider of building materials that build, connect and improve our world.

In 2024, the Company generated $35.6 billion of revenues, $3.5 billion of net income and $6.9 billion of Adjusted EBITDA*.1Since formation in 1970, CRH has evolved from being a supplier of base materials to solving complex construction challenges for our customers.

The Company integrates essential materials (aggregates and cement), value-added building products as well as construction services, to provide our customers with complete connected solutions.

CRH’s capabilities, innovation and technical expertise enable it to be a valuable partner for transportation and critical infrastructure projects, complex non-residential construction and outdoor living solutions.

CRH’s business addresses the needs of customers across infrastructure, non-residential and residential construction markets.

In 2024, approximately 35% of revenues came from infrastructure (such as highways, streets, roads and bridges), 30% from non-residential construction (including construction and maintenance of critical water, energy and telecommunications projects, in addition to manufacturing, commercial, warehouse and data center facilities) and 35% from residential construction.

Operating in 28 countries, the Company has market leadership positions in North America, Europe and Australia.

In 2024, approximately 72% of net income and 74% of Adjusted EBITDA* was generated in North America.

The United States is expected to be a key driver of future growth for CRH due to continued economic expansion, a growing population and significant public investment in construction.

In 2024, approximately 28% of net income and 26% of Adjusted EBITDA* was generated by our International Division.

Our International businesses, which benefit from strong economic and construction growth prospects as well as recurring repair and remodel demand, are an important strategic part of the Company.

CRH intends to continue to expand its North American and International operations given significant government support for infrastructure and increasing demand for customer-connected solutions in major infrastructure and commercial projects.

CRH has a proven track record in value creation through acquisition which over the last decade has accounted for approximately 60% of the Company’s growth.

The largest acquisition in 2024 was in our Americas Materials Solutions segment where the Company completed the acquisition of a portfolio of cement and readymixed concrete operations and assets in Texas.

The Company also completed the acquisition of a majority stake (57%) in the Australian building materials business Adbri Ltd (Adbri) within our International Solutions segment.

Effective as of January 1, 2025, CRH is a U.S. domestic issuer.

Customer-Connected Solutions

CRH’s strategy integrates building materials, products and services by providing them to customers as complete solutions that solve complex challenges across the built environment.

Essential Materials

Road Solutions

Building and Infrastructure Solutions

We place a strong focus on anticipating the needs of our customers and constantly strive to exceed their expectations.

We are accelerating investment in innovation to develop a higher-performing and more sustainable built environment.

Through our $250 million Venturing and Innovation Fund we are supporting the development of new technologies and innovative solutions to meet the increasingly complex needs of customers and evolving trends in construction.

Our CRH Ventures platform partners with and invests strategically in construction and climate technology start-ups across the entire construction value chain, to pilot and scale cutting-edge and innovative technologies.

Sustainability is deeply embedded in all aspects of our business and sustainability leadership is a key pillar of CRH’s purpose.

Our sustainability framework identifies three global challenges for society and the built environment: water, circularity and decarbonization.

Our strategy focuses on transforming essential materials into value-added and innovative solutions to address these global challenges.

By uniquely integrating our materials, products and services, we are positioned to capture further value and accelerate growth across CRH.

- Water: We are advancing solutions to address global water challenges by enhancing flood resilience and improving water management.

This includes upgrading water infrastructure, improving wastewater treatment, recharging groundwater and conserving water across the supply chain.

- Circularity: We are reimagining the way materials are used to enable a more circular economy.

Our efforts include preserving natural resources, recycling and reusing construction and waste materials, facilitating resource-efficient buildings and infrastructure and building more circular supply chains.

- Decarbonization: We are developing innovative solutions to support a low-carbon future.

Our goals include reducing our absolute carbon emissions, minimizing operational carbon from our products and creating energy-efficient solutions to facilitate a clean energy transition.

In 2024, we continued to enhance our capabilities to meet these challenges through investment in innovative technologies.

Two recent examples include our investment in FIDO AI, supporting the development of artificial intelligence leak detection software to accelerate our water infrastructure solutions in North America, as well as our strategic investment partnership with Sublime Systems, a U.S.-based company operating in the field of sustainable cement production.

Through these efforts, we continue to develop and deliver innovative, climate-resilient solutions for our customers.

By continuing to meet the changing needs of our customers and society, we aim to drive further growth and value creation.

In addition, we are striving to create a positive impact on the natural world, helping our people and communities to thrive.

CRH has elected to use a $1 million threshold for disclosing certain proceedings under environmental laws to which a governmental authority is a party.

Applying this threshold, there were no relevant legal proceedings to disclose for this period.

For the fiscal year ended December 31, [removed: 2024][added: 2025]

| [removed: ] [added: ] | | |

| Title of Each Class: | | | Trading [removed: Symbol:] [added: Symbol(s):] | | | Name of Each Exchange on Which Registered: | | |

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended [removed: transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.]

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of [removed: incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).]

The aggregate market value of the voting shares held by non-affiliates of the registrant, computed by reference to the closing price as reported on the New York Stock Exchange, as of the last business day of CRH plc’s most recently completed second fiscal quarter (June [removed: 28, 2024),] [added: 30, 2025),] was [removed: $51,283,330,098.][added: $61,825,009,498.]

As of February [removed: 13, 2025,] [added: 4, 2026,] the number of outstanding [removed: ordinary shares] [added: Ordinary Shares] was [removed: 676,475,037] [added: 668,250,818] (excluding Treasury stock of [removed: 40,944,153] [added: 37,976,624] shares).

[removed: Documents Incorporated by Reference:] [added: DOCUMENTS INCORPORATED BY REFERENCE:] Portions of CRH plc’s proxy statement to be prepared in connection with its [removed: 2025] [added: 2026] Annual General Meeting (the 'Proxy Statement') are incorporated by reference into Part III of this Annual Report on Form 10-K.

CRH plc intends to file the Proxy Statement with the SEC no later than 120 days following December 31, [removed: 2024.][added: 2025.]

[removed: TABLE] [added: TABLE] OF [removed: CONTENTS][added: CONTENTS]

| Item 1 | | | [removed: [Business](#ibcdbecbc139b4267b93e2e586d597276_16)] [added: [Business](#i710735a19875456698c85ff0d2c5352b_16)] | | | [removed: [6](#ibcdbecbc139b4267b93e2e586d597276_16)] [added: [6](#i710735a19875456698c85ff0d2c5352b_16)] | | |

| Item 1A | | | [Risk [removed: Factors](#ibcdbecbc139b4267b93e2e586d597276_25)] [added: Factors](#i710735a19875456698c85ff0d2c5352b_25)] | | | [removed: [13](#ibcdbecbc139b4267b93e2e586d597276_25)] [added: [12](#i710735a19875456698c85ff0d2c5352b_25)] | | |

| Item 1B | | | [Unresolved Staff [removed: Comments](#ibcdbecbc139b4267b93e2e586d597276_28)] [added: Comments](#i710735a19875456698c85ff0d2c5352b_28)] | | | [removed: [19](#ibcdbecbc139b4267b93e2e586d597276_28)] [added: [18](#i710735a19875456698c85ff0d2c5352b_28)] | | |

| Item 1C | | | [removed: [Cyber](#ibcdbecbc139b4267b93e2e586d597276_31)security] [added: [Cyber](#i710735a19875456698c85ff0d2c5352b_31)security] | | | [removed: [20](#ibcdbecbc139b4267b93e2e586d597276_31)] [added: [19](#i710735a19875456698c85ff0d2c5352b_31)] | | |

| Item 2 | | | [removed: [Properties](#ibcdbecbc139b4267b93e2e586d597276_34)] [added: [Properties](#i710735a19875456698c85ff0d2c5352b_34)] | | | [removed: [21](#ibcdbecbc139b4267b93e2e586d597276_34)] [added: [20](#i710735a19875456698c85ff0d2c5352b_34)] | | |

| Item 3 | | | [Legal [removed: Proceedings](#ibcdbecbc139b4267b93e2e586d597276_37)] [added: Proceedings](#i710735a19875456698c85ff0d2c5352b_37)] | | | [removed: [27](#ibcdbecbc139b4267b93e2e586d597276_37)] [added: [26](#i710735a19875456698c85ff0d2c5352b_37)] | | |

| Item 4 | | | [Mine Safety [removed: Disclosures](#ibcdbecbc139b4267b93e2e586d597276_40)] [added: Disclosures](#i710735a19875456698c85ff0d2c5352b_40)] | | | [removed: [27](#ibcdbecbc139b4267b93e2e586d597276_40)] [added: [26](#i710735a19875456698c85ff0d2c5352b_40)] | | |

| Item 5 | | | [Market for [removed: Registrant](#ibcdbecbc139b4267b93e2e586d597276_46)[’](#ibcdbecbc139b4267b93e2e586d597276_46)[s] [added: Registrant](#i710735a19875456698c85ff0d2c5352b_46)[’](#i710735a19875456698c85ff0d2c5352b_46)[s] Common Equity, Related Stockholder Matters and Issuer Purchases of Equity [removed: Securities](#ibcdbecbc139b4267b93e2e586d597276_46)] [added: Securities](#i710735a19875456698c85ff0d2c5352b_46)] | | | [removed: [28](#ibcdbecbc139b4267b93e2e586d597276_46)] [added: [27](#i710735a19875456698c85ff0d2c5352b_46)] | | |

| Item 6 | | | [removed: [Reserved](#ibcdbecbc139b4267b93e2e586d597276_49)] [added: \[Reserved\]] | | | [removed: [30](#ibcdbecbc139b4267b93e2e586d597276_49)] [added: [29](#i710735a19875456698c85ff0d2c5352b_49)] | | |

| Item 7 | | | [Management's Discussion and Analysis of Financial Condition and Results of [removed: Operations](#ibcdbecbc139b4267b93e2e586d597276_52)] [added: Operations](#i710735a19875456698c85ff0d2c5352b_52)] | | | [removed: [31](#ibcdbecbc139b4267b93e2e586d597276_52)] [added: [30](#i710735a19875456698c85ff0d2c5352b_52)] | | |

| Item 7A | | | [Quantitative and Qualitative [removed: Disclosures](#ibcdbecbc139b4267b93e2e586d597276_91) [a](#ibcdbecbc139b4267b93e2e586d597276_91)[bout] [added: Disclosures](#i710735a19875456698c85ff0d2c5352b_91) [a](#i710735a19875456698c85ff0d2c5352b_91)[bout] Market [removed: Risk](#ibcdbecbc139b4267b93e2e586d597276_91)] [added: Risk](#i710735a19875456698c85ff0d2c5352b_91)] | | | [removed: [50](#ibcdbecbc139b4267b93e2e586d597276_91)] [added: [45](#i710735a19875456698c85ff0d2c5352b_91)] | | |

| Item 8 | | | [Financial Statements and Supplementary [removed: Data](#ibcdbecbc139b4267b93e2e586d597276_94)] [added: Data](#i710735a19875456698c85ff0d2c5352b_94)] | | | [removed: [51](#ibcdbecbc139b4267b93e2e586d597276_94)] [added: [46](#i710735a19875456698c85ff0d2c5352b_94)] | | |

| Item 9 | | | [Changes in and [removed: Disagreements](#ibcdbecbc139b4267b93e2e586d597276_205) [w](#ibcdbecbc139b4267b93e2e586d597276_205)[ith] [added: Disagreements](#i710735a19875456698c85ff0d2c5352b_205) [W](#i710735a19875456698c85ff0d2c5352b_205)[ith] Accountants on Accounting and Financial [removed: Disclosure](#ibcdbecbc139b4267b93e2e586d597276_205)] [added: Disclosure](#i710735a19875456698c85ff0d2c5352b_205)] | | | [removed: [99](#ibcdbecbc139b4267b93e2e586d597276_205)] [added: [93](#i710735a19875456698c85ff0d2c5352b_205)] | | |

| Item 9A | | | [Controls and [removed: Procedures](#ibcdbecbc139b4267b93e2e586d597276_208)] [added: Procedures](#i710735a19875456698c85ff0d2c5352b_208)] | | | [removed: [99](#ibcdbecbc139b4267b93e2e586d597276_208)] [added: [93](#i710735a19875456698c85ff0d2c5352b_208)] | | |

| Item 9B | | | [Other [removed: Information](#ibcdbecbc139b4267b93e2e586d597276_211)] [added: Information](#i710735a19875456698c85ff0d2c5352b_211)] | | | [removed: [100](#ibcdbecbc139b4267b93e2e586d597276_211)] [added: [94](#i710735a19875456698c85ff0d2c5352b_211)] | | |

| Item 9C | | | [Disclosures Regarding Foreign Jurisdictions that Prevent [removed: Inspections](#ibcdbecbc139b4267b93e2e586d597276_214)] [added: Inspections](#i710735a19875456698c85ff0d2c5352b_214)] | | | [removed: [100](#ibcdbecbc139b4267b93e2e586d597276_214)] [added: [94](#i710735a19875456698c85ff0d2c5352b_214)] | | |

| Item 10 | | | [Directors, Executive Officers and Corporate [removed: Governance](#ibcdbecbc139b4267b93e2e586d597276_220)] [added: Governance](#i710735a19875456698c85ff0d2c5352b_220)] | | | [removed: [101](#ibcdbecbc139b4267b93e2e586d597276_220)] [added: [95](#i710735a19875456698c85ff0d2c5352b_220)] | | |

| Item 11 | | | [Executive [removed: Compensation](#ibcdbecbc139b4267b93e2e586d597276_223)] [added: Compensation](#i710735a19875456698c85ff0d2c5352b_223)] | | | [removed: [101](#ibcdbecbc139b4267b93e2e586d597276_223)] [added: [95](#i710735a19875456698c85ff0d2c5352b_223)] | | |

| Item 12 | | | [Security Ownership of Certain Beneficial Owners and Management and Related Stockholder [removed: Matters](#ibcdbecbc139b4267b93e2e586d597276_226)] [added: Matters](#i710735a19875456698c85ff0d2c5352b_226)] | | | [removed: [101](#ibcdbecbc139b4267b93e2e586d597276_226)] [added: [95](#i710735a19875456698c85ff0d2c5352b_226)] | | |

| Item 13 | | | [Certain Relationships and Related Transactions, and Director [removed: Independence](#ibcdbecbc139b4267b93e2e586d597276_229)] [added: Independence](#i710735a19875456698c85ff0d2c5352b_229)] | | | [removed: [101](#ibcdbecbc139b4267b93e2e586d597276_229)] [added: [95](#i710735a19875456698c85ff0d2c5352b_229)] | | |

| Item 14 | | | [Principal [removed: Accountant Fees] [added: Account](#i710735a19875456698c85ff0d2c5352b_232)[ing](#i710735a19875456698c85ff0d2c5352b_232) [Fees] and [removed: Services](#ibcdbecbc139b4267b93e2e586d597276_232)] [added: Services](#i710735a19875456698c85ff0d2c5352b_232)] | | | [removed: [101](#ibcdbecbc139b4267b93e2e586d597276_232)] [added: [95](#i710735a19875456698c85ff0d2c5352b_232)] | | |

| Item 15 | | | [Exhibits and Financial Statement [removed: Schedules](#ibcdbecbc139b4267b93e2e586d597276_238)] [added: Schedules](#i710735a19875456698c85ff0d2c5352b_238)] | | | [removed: [102](#ibcdbecbc139b4267b93e2e586d597276_238)] [added: [96](#i710735a19875456698c85ff0d2c5352b_238)] | | |

| Item 16 | | | [Form 10-K [removed: Summary](#ibcdbecbc139b4267b93e2e586d597276_241)] [added: Summary](#i710735a19875456698c85ff0d2c5352b_241)] | | | [removed: [103](#ibcdbecbc139b4267b93e2e586d597276_241)] [added: [98](#i710735a19875456698c85ff0d2c5352b_241)] | | |

| [removed: [Signatures](#ibcdbecbc139b4267b93e2e586d597276_244)] [added: Signatures] | | | | | | [removed: [104](#ibcdbecbc139b4267b93e2e586d597276_244)] [added: [99](#i710735a19875456698c85ff0d2c5352b_244)] | | |

CRH [removed: Form] [added: FORM] 10-K [removed: 4]

In order to [removed: utilize] [added: rely upon] the “Safe Harbor” provisions of the United States Private Securities Litigation Reform Act of 1995, CRH is providing the following cautionary statement.

In particular, the following, among other statements, are all forward-looking in nature: [added: statements regarding the benefits of CRH’s connected portfolio and entrepreneurial culture;] plans and expectations regarding [added: supply-side dynamics,] customer demand, pricing, costs, underlying drivers for growth in infrastructure, residential and non-residential activity, [added: including the megatrends of transportation, water] and [added: reindustrialization, and] macroeconomic and other trends in CRH’s markets, [removed: including onshoring, regulatory trends, and investment] [added: particularly] in [removed: technology, clean energy and manufacturing;] [added: North America;] plans and expectations regarding government [added: and private] funding initiatives and priorities, including the timing and amount of government [removed: funding] [added: funding, particularly with respect to the Infrastructure Investment] and [removed: its] [added: Jobs Act (IIJA), and reindustrialization activity in North America, Europe and Australia, and the] effects on CRH’s business; plans and expectations regarding CRH’s strategy, [removed: expansionary] [added: growth] capital expenditures, [added: investments in technology,] competitive advantages, growth opportunities, innovation, research and development and acquisitions and divestitures, including the timing for completion, tax and accounting effects and expected commercial [added: and market] benefits; plans and expectations regarding the outcome of pending legal proceedings and provisions for environmental and remediation costs; plans and expectations regarding the timing and amount of share buybacks and dividends, including the [removed: Board’s policy] [added: CRH plc Board] of [added: Directors’ (the Board) policy for] consistent long-term dividend growth; expectations regarding taxation of U.S. holders of our shares, including applicability of Irish Dividend Withholding Tax (DWT) and Irish stamp duty; expectations regarding the Company’s income tax reserves and returns; plans and expectations regarding equity [removed: incentive] [added: compensation] plans and pension plans; plans and expectations regarding CRH’s balance sheet, capital allocation, financial capacity, accounting policies, cash flows and working capital; [added: plans and] expectations regarding CRH’s ability to fund its long-term contractual obligations, maturing debt obligations, capital expenditures, and other liquidity requirements; plans and expectations regarding the [removed: Share Option Schemes; plans and expectations regarding CRH’s inclusion on certain equity indices; plans and expectations regarding the] effect of existing and future laws, rules and regulations on CRH’s business; [added: and] plans and expectations regarding human capital initiatives, workplace safety, sustainability and climate change, CRH’s decarbonization targets, sustainability-related initiatives and business opportunities, including investments, [added: impacts of the changing regulatory landscape,] and the delivery of and consumer demand for sustainable solutions and [removed: products; and plans and expectations regarding the potential impact and evolving nature of risks and CRH’s management of such risks.][added: products.]

A number of material factors could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements, certain of which are beyond our control, and which include, [removed: among other factors:] [added: but are not limited to:] economic and financial conditions, including changes in interest rates, inflation, price volatility and/or labor and materials shortages; demand for infrastructure, residential and non-residential construction and our products in geographic markets in which we operate; increased competition and its impact on prices and market position; increases in energy, labor and/or other raw materials costs; adverse changes to laws and regulations, including in relation to climate change; the impact of unfavorable weather; investor and/or consumer sentiment regarding the importance of sustainable practices and products; availability of public sector funding for infrastructure programs; political uncertainty, including as a result of political and social conditions in the jurisdictions CRH operates in, or adverse political developments, including the ongoing geopolitical conflicts in Ukraine and the Middle East; failure to complete or successfully integrate acquisitions or make timely divestitures; cyber-attacks and exposure of associates, contractors, customers, suppliers and other individuals to health and safety risks, including due to product failures.

Additional factors, risks and uncertainties that could cause actual outcomes and results to be materially different from those expressed by the forward-looking statements in this report including, but not limited to, the risks and uncertainties described herein and in “Risk Factors” in Part 1, Item 1A of this [removed: Annual Report on] Form [removed: 10-K for the year ended December 31, 2024 (the ‘Annual Report on Form 10-K’).][added: 10-K.]

CRH [removed: Form] [added: FORM] 10-K [removed: 5]

| 4.400% Guaranteed Notes due 2031 | | | CRH/31 | | | New York Stock Exchange | | |

| 5.000% Guaranteed Notes due 2036 | | | CRH/36 | | | New York Stock Exchange | | |

| 5.600% Guaranteed Notes due 2056 | | | CRH/56 | | | New York Stock Exchange | | |

transition period for complying with any new or revised financial accounting standards provided pursuant

to Section 13(a) of the Exchange Act.

incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery

period pursuant to §240.10D-1(b).

CRH FORM 10-K

CERTAIN TERMS

Except as otherwise specified or the context otherwise requires, references to 'CRH', the 'Company', 'we', 'us' or 'our' refer to CRH plc (together with its consolidated subsidiaries), and references to years indicate our fiscal year ended December 31 of the respective year.

References to this 'Form 10-K' are to this Annual Report on Form 10-K for the year ended December 31, 2025.

All references to the 'Consolidated Financial Statements' are to Part II, Item 8 of this Annual Report.

CRH FORM 10-K

| | | |

| --- | --- | --- |

| 4 | | |

CRH FORM 10-K

| | | |

| --- | --- | --- |

| 5 | | |

CRH FORM 10-K

☒ Yes ☐ No

EXPLANATORY NOTE

CRH plc (together with its consolidated subsidiaries, the 'Company’, 'CRH’, the ‘Group’, ‘we’, ‘us’ or ‘our’), a corporation organized under the laws of the Republic of Ireland, previously determined, as of June 30, 2024 (including as a result of more than 50% of its ordinary shares being held by U.S. residents), that it will no longer qualify as a foreign private issuer as defined under the U.S. Securities Exchange Act of 1934 (the ‘Exchange Act’).

Effective as of January 1, 2025, CRH is a U.S. domestic issuer.

CRH [removed: Form] [added: FORM] 10-K [removed: 19]

| | | |

| --- | --- | --- |

| 18 | | |

CRH leverages its Enterprise Risk Management (ERM) framework, which accords with internationally recognized standards, to identify, assess, respond, [removed: monitor] [added: monitor, manage,] and report material cybersecurity risks facing the Company.

Given CRH’s wide geographic spread, the frequency and possible scale of acquisition activity, the diversity of the types of IT systems operated by CRH [removed: companies] [added: companies,] and the decentralized nature of its operations, CRH implements an amalgam of centralized and decentralized processes for IT management.

At the [removed: Group level,] [added: Enterprise-level,] CRH conducts a semi-annual bottom-up risk assessment focused on CRH’s operating companies and business units, including cybersecurity-related risks, which evaluates the impact and likelihood of the identified cyber risks and the effectiveness of existing security measures, policies, and procedures.

Identification of cybersecurity risks is integrated into CRH’s overall ERM framework, with a focus on risks related to information systems, data security, operational [removed: technology] [added: technology,] and technology infrastructure.

These systems would include the use of vendor security questionnaires, vulnerability [removed: assessments] [added: assessments,] and annual audits.

Our Board is responsible for strategy, [removed: risk] [added: risk,] and governance, including oversight of risks from cybersecurity threats.

The Audit Committee is currently made up of six independent directors with a range of relevant cybersecurity, information [removed: technology] [added: technology,] and operational technology experience.

The Audit Committee receives updates at least annually from the Chief Information Security Officer (CISO) on the design and progress of key information security initiatives in addition to regular briefings on cybersecurity and management of cybersecurity-related risks from relevant members of management, including the Head of ERM and [removed: our] [added: the] CISO.

Recent updates from the CISO have focused on [removed: the Company’s information security strategy, ongoing] [added: cyber transformation, threats and trends,] security [removed: assessments] [added: assessments, cyber resilience initiatives,] and [removed: ongoing projects.][added: awareness and training.]

[removed: Our] [added: The] CISO has 25 years of experience working in IT, including more than a decade spent in prior technical and senior management roles related to cybersecurity.

The Risk Committee and Global Leadership Team are briefed on the occurrence, [removed: mitigation] [added: mitigation,] and remediation of cybersecurity incidents on a regular basis, including ad-hoc briefings covering significant or potentially material incidents.

CRH [removed: Form] [added: FORM] 10-K [removed: 20]

The Risk Committee, which is made up of our Chief Financial Officer, [removed: Group General Counsel,] Chief [added: Legal and Corporate Affairs Officer, Chief] Operating [removed: Officer] [added: Officer,] and the Divisional Presidents of CRH Americas and CRH International, is the executive oversight body for risk management, including cybersecurity risks and the work of the CISO, GIS and related teams.

The Risk Committee also reviews the [removed: half-yearly] [added: semi-annual] risk updates that are provided to the Audit Committee prior to dissemination.

The Company’s Internal Audit function conducts regular audits of our IT infrastructure and implementation of our Global Information Security Policy and related significant internal cyber initiatives as part of our governance, risk, and compliance framework.

These internal audits include a structured assessment of the design and implementation of IT and security controls and assess the operation of our Information Security Management Systems (ISMS).

The internal audit program evaluates the effectiveness of technical, operational, and administrative security controls, and identifies opportunities for continual improvement.

Board-level responsibility for overseeing information security is further supported by our Cyber Security Council, which provides strategic direction, governance, and oversight of all information security matters.

The Council operates with senior management representation and regularly reviews cyber‑risk, compliance obligations, and our security performance.

This governance structure aims to ensure that information security priorities, risks, and improvements are consistently aligned with organizational objectives and regulatory expectations.

| | | |

| --- | --- | --- |

| 19 | | |

As of February [removed: 13, 2025,] [added: 4, 2026,] we had a total of [removed: 3,816] [added: 3,961] operating locations:

| Rest of World | | | [removed: 66] [added: 65] | | | [removed: 23] [added: 22] | | | [removed: 211] [added: 229] | | |

Our building materials operating locations include product production facilities, mobile [removed: plants] [added: plants,] and retail facilities.

Significant building materials operating locations for CRH’s subsidiaries, as of December 31, [removed: 2024,] [added: 2025,] are the [removed: cement] [added: cementitious] facilities in the United States, Canada, United Kingdom, Ireland, France, Poland, Ukraine, Romania, Slovakia, [removed: Australia] [added: Australia,] and the Philippines.

During [removed: 2024,] [added: 2025,] CRH’s material cement kilns operated on average at [removed: 73%] [added: 72%] utilization.

Our building solutions businesses have many types of manufacturing facilities including paver, masonry, precast, pipe, dry-mix, fencing and [removed: railing] [added: railing,] and lawn and garden plants.

These facilities include plant and equipment such as automated presses, batching systems, packaging equipment, kilns, [removed: coolers] [added: coolers,] and silos which are used to turn raw materials into finished goods for our cementitious products as well as equipment such as presses, [removed: extruders] [added: extruders,] and molds which are used in the fencing, railing, plastic pipe, trench and [removed: metals] [added: metals,] and enclosure businesses.

[removed: In] [added: Other PropertiesIn] addition to the properties described above and those disclosed under the heading “Mineral Reserves and Resources: Background”, CRH has corporate offices in New York, New York (leased) and Dublin, Ireland (owned).

CRH also owns and leases, directly or indirectly through third-parties, heavy mobile equipment, [removed: trucks] [added: trucks,] and vehicles for production and transportation purposes.

[removed: CRH] [added: ConditionCRH] believes that all the facilities are in good condition, adequate for their purpose and suitably utilized according to the individual nature and requirements of the relevant operations.

CRH [removed: Form] [added: FORM] 10-K [removed: 21]

[removed: CRH’s] [added: BackgroundCRH’s] mineral reserves (reserves) and mineral resources (resources) for the production of primary building materials (which encompasses aggregates (crushed stone, sand and gravel), cement and lime, asphalt, readymixed concrete and concrete products) fall into a variety of categories spanning a wide number of rock types and geological classifications.

As of December 31, [removed: 2024,] [added: 2025,] the Company has [removed: 1,296] [added: 1,334] mining properties with [removed: 246,058] [added: 252,791] acres of owned and [removed: 129,818] [added: 128,651] acres of leased land, respectively, as disclosed in the table on page [removed: 25] [added: 24,] the locations of which are presented by geographic location in the maps on page [removed: 26.][added: 25.]

None of CRH’s mineral-bearing properties are individually material to the Company as of December 31, [removed: 2024.][added: 2025.]

A summary disclosure of CRH’s mining operations is provided on pages [removed: 23] [added: 22] to [removed: 26.][added: 25.]

As of December 31, [removed: 2024,] [added: 2025,] the Company’s reserves and resources estimations of [removed: 26,685] [added: 27,519] million tons and [removed: 11,573] [added: 12,968] million tons, respectively, as disclosed on pages [removed: 23] [added: 22] to [removed: 24,] [added: 23,] are calculated in accordance with Subpart 1300.

The Company’s reserves and resources disclosures may not be comparable to similar disclosures disclosed in accordance with the requirements of other countries and should be read in conjunction with the disclosures that follow on pages [removed: 23] [added: 22] to [removed: 26.][added: 25.]

Almost exclusively, CRH utilizes surface mining and, with a very limited number of exceptions, CRH and its [removed: subsidiaries] [added: operating companies] are the only operators of the properties.

[removed: Reserves] [added: ReservesReserves] are classified into two categories, probable [added: reserves] and proven reserves, in order of increasing geological confidence.

The Company’s estimate of [removed: 26,685] [added: 27,519] million tons of reserves, as disclosed on page [removed: 23] [added: 22] analyzed by rock type (Hard rock, Sand & [removed: Gravel] [added: Gravel,] and Other), are of recoverable stone, sand, and gravel of suitable quality for economic extraction, based on drilling and studies by the Company’s geologists and engineers.

There is no certainty that any of the resources disclosed on page [removed: 24] [added: 23] will be converted into reserves.

[removed: CRH] [added: Internal ControlsCRH] has established appropriate governance processes to support the publication of our [removed: 2024] [added: 2025] reserves and resources disclosures.

These internal controls have been embedded into the local control environments and operate across the business, including controls at an operating company, [removed: divisional] [added: Divisional] and [removed: Group level.][added: Enterprise-level.]

CRH [removed: Form] [added: FORM] 10-K [removed: 22]

In addition, to provide further assurance over the Company’s mineral reserves and resources reporting process, the Company’s Internal Audit function completed a limited scope review across a sample of material reporting entities on the operation of these internal controls as of December 31, [removed: 2024.][added: 2025.]

The table below presents, by segment and geographic location, the tons of proven and probable aggregates, [removed: cement] [added: cement,] and lime mineral reserves [removed: at] [added: as of] December 31, [removed: 2024,] [added: 2025,] and the related percentages by rock type.

| | | | [removed: Country] | | | Tons (iii) | | | Grade: % by rock type | | | | | | | | | | | | Tons (iii) | | | Grade: % by rock type | | | | | | | | | | | | Tons (iii) | | | Grade: % by rock type | | | | | | | | |

| | | | [added: Country] | | | | | | Hard Rock | | | Sand & Gravel | | | Other | | | | | | | | | Hard Rock | | | Sand & Gravel | | | Other | | | | | | | | | Hard Rock | | | Sand & Gravel | | | Other | | |

| Americas Materials Solutions | | | United States | | | [removed: 8,067] [added: 8,406] | | | 76% | | | [removed: 16%] [added: 17%] | | | [removed: 8%] [added: 7%] | | | | | | [removed: 9,745] [added: 9,938] | | | [removed: 86%] [added: 85%] | | | [removed: 8%] [added: 9%] | | | 6% | | | | | | [removed: 17,812] [added: 18,344] | | | 81% | | | 12% | | | 7% | | |

| International Solutions | | | Western Europe (UK, IE, FR, ES, DK, FI) (iv) | | | [removed: 1,993] [added: 1,885] | | | 82% | | | 18% | | | – | | | | | | [removed: 1,262] [added: 1,307] | | | 93% | | | 7% | | | – | | | | | | [removed: 3,255] [added: 3,192] | | | [removed: 86%] [added: 87%] | | | [removed: 14%] [added: 13%] | | | – | | |

| Americas Materials Solutions | | | United States | | | [removed: 745] [added: 736] | | | 98% | | | – | | | 2% | | | | | | [removed: 272] [added: 270] | | | 100% | | | – | | | – | | | | | | [removed: 1,017] [added: 1,006] | | | 98% | | | – | | | 2% | | |

| International Solutions | | | Western Europe (UK, IE, FR, ES) (iv) | | | [removed: 407] [added: 410] | | | 96% | | | – | | | 4% | | | | | | [removed: 151] [added: 137] | | | 94% | | | – | | | 6% | | | | | | [removed: 558] [added: 547] | | | 96% | | | – | | | 4% | | |

| Australia | | | 145 | | | 100% | | | – | | | – | | | | | | 1 | | | – | | | [removed: –] [added: 100%] | | | [removed: 100%] [added: –] | | | | | | 146 | | | 99% | | | [removed: –] [added: 1%] | | | [removed: 1%] [added: –] | | | | | |

| Philippines | | | [removed: 455] [added: 449] | | | [removed: 69%] [added: 68%] | | | 7% | | | [removed: 24%] [added: 25%] | | | | | | 58 | | | 84% | | | – | | | 16% | | | | | | [removed: 513] [added: 507] | | | 70% | | | 6% | | | 24% | | | | | |

(iv) The [removed: country] [added: countries] and their respective codes are [added: Croatia: HR,] Denmark: DK, Finland: FI, France: FR, Germany: DE, Hungary: HU, Ireland: IE, Poland: PL, Romania: RO, Serbia: RS, Slovakia: SK, Spain: ES, Switzerland: CH, Ukraine: UA, United Kingdom: UK.

The average sales price for the period January 1, [removed: 2024,] [added: 2025] to October 31, [removed: 2024,] [added: 2025,] for aggregates and cement was [removed: $18.5] [added: $19.0] and [removed: $135.4] [added: $140.5] per ton, respectively, for our Americas Materials Solutions’ businesses and [removed: $12.0] [added: $12.6] and [removed: $119.3] [added: $121.1] per ton, respectively, for our International Solutions’ businesses.

The average sales price for lime within our International Solutions' businesses over this time period was [removed: $165.6] [added: $161.5] per ton.

These prices, which are used for estimation of both mineral reserves and resources, are impacted by product mix, geographic [removed: location] [added: location,] and foreign currency.

CRH [removed: Form] [added: FORM] 10-K [removed: 23]

The table below presents, by segment and geographic location, the tons of measured, [removed: indicated] [added: indicated,] and inferred aggregates, [removed: cement] [added: cement,] and lime resources as of December 31, [removed: 2024,] [added: 2025,] and the related [removed: percentage] [added: percentages] of these resources by rock type.

| United States | | | 1,725 | | | 311 | | | 9 | | |

| Europe | | | – | | | 4 | | | 1,596 | | |

| Total | | | 1,790 | | | 337 | | | 1,834 | | |

| | | |

| --- | --- | --- |

| 20 | | |

| | | |

| --- | --- | --- |

| 21 | | |

| Canada | | | 472 | | | 72% | | | 28% | | | – | | | | | | 174 | | | 86% | | | 14% | | | – | | | | | | 646 | | | 75% | | | 25% | | | – | | | | | |

| Central & Eastern Europe (PL, RO, SK, CH, HU, HR) (iv) | | | 328 | | | 86% | | | 14% | | | – | | | | | | 213 | | | 53% | | | 47% | | | – | | | | | | 541 | | | 73% | | | 27% | | | – | | | | | |

| Australia | | | 591 | | | 91% | | | 9% | | | – | | | | | | 442 | | | 91% | | | 9% | | | – | | | | | | 1,033 | | | 91% | | | 9% | | | – | | | | | |

| Subtotal | | | | | | 11,736 | | | 78% | | | 17% | | | 5% | | | | | | 12,079 | | | 85% | | | 10% | | | 5% | | | | | | 23,815 | | | 82% | | | 13% | | | 5% | | |

| Canada | | | 157 | | | 100% | | | – | | | – | | | | | | 22 | | | 100% | | | – | | | – | | | | | | 179 | | | 100% | | | – | | | – | | | | | |

| Central & Eastern Europe (DE, PL, RO, RS, SK, CH, UA) (iv) | | | 684 | | | 96% | | | – | | | 4% | | | | | | 577 | | | 89% | | | 2% | | | 9% | | | | | | 1,261 | | | 93% | | | 1% | | | 6% | | | | | |

| Subtotal | | | | | | 2,581 | | | 92% | | | 1% | | | 7% | | | | | | 1,065 | | | 93% | | | 1% | | | 6% | | | | | | 3,646 | | | 92% | | | 1% | | | 7% | | |

| International Solutions | | | Australia | | | 29 | | | 32% | | | 68% | | | – | | | | | | 29 | | | 97% | | | 3% | | | – | | | | | | 58 | | | 65% | | | 35% | | | – | | |

| Subtotal | | | | | | 29 | | | 32% | | | 68% | | | – | | | | | | 29 | | | 97% | | | 3% | | | – | | | | | | 58 | | | 65% | | | 35% | | | – | | |

| Total | | | | | | 14,346 | | | 81% | | | 14% | | | 5% | | | | | | 13,173 | | | 87% | | | 8% | | | 5% | | | | | | 27,519 | | | 83% | | | 12% | | | 5% | | |

| | | |

| --- | --- | --- |

| 22 | | |

| Americas Materials Solutions | | | United States | | | 1,184 | | | 93% | | | 4% | | | 3% | | | | | | 2,167 | | | 86% | | | 13% | | | 1% | | | | | | 3,351 | | | 88% | | | 10% | | | 2% | | | | | | 4,605 | | | 78% | | | 20% | | | 2% | | | | | | 7,956 | | |

| Canada | | | 332 | | | 90% | | | 10% | | | – | | | | | | 1 | | | – | | | 100% | | | – | | | | | | 333 | | | 90% | | | 10% | | | – | | | | | | 106 | | | 100% | | | – | | | – | | | | | | 439 | | | | | |

| International Solutions | | | Western Europe (UK, IE, FR, ES, DK, FI) (iv) | | | 367 | | | 34% | | | 66% | | | – | | | | | | 547 | | | 81% | | | 18% | | | 1% | | | | | | 914 | | | 63% | | | 37% | | | – | | | | | | 398 | | | 93% | | | 7% | | | – | | | | | | 1,312 | | |

| Central & Eastern Europe (RO, SK, CH) (iv) | | | 217 | | | 84% | | | 16% | | | – | | | | | | 52 | | | 78% | | | 22% | | | – | | | | | | 269 | | | 83% | | | 17% | | | – | | | | | | 16 | | | 14% | | | 86% | | | – | | | | | | 285 | | | | | |

| Australia | | | 303 | | | 99% | | | 1% | | | – | | | | | | 495 | | | 77% | | | 23 | | % | – | | | | | | 798 | | | 85% | | | 15% | | | – | | | | | | 516 | | | 100% | | | – | | | – | | | | | | 1,314 | | | | | |

| Subtotal | | | | | | 2,403 | | | 84% | | | 15% | | | 1% | | | | | | 3,262 | | | 84% | | | 15% | | | 1% | | | | | | 5,665 | | | 84% | | | 15% | | | 1% | | | | | | 5,641 | | | 81% | | | 17% | | | 2% | | | | | | 11,306 | | |

| Central & Eastern Europe (DE, RO, SK, UA) (iv) | | | 328 | | | 55% | | | – | | | 45% | | | | | | 205 | | | 71% | | | – | | | 29% | | | | | | 533 | | | 61% | | | – | | | 39% | | | | | | 115 | | | 100% | | | – | | | – | | | | | | 648 | | | | | |

| Subtotal | | | | | | 555 | | | 72% | | | – | | | 28% | | | | | | 307 | | | 77% | | | – | | | 23% | | | | | | 862 | | | 74% | | | – | | | 26% | | | | | | 510 | | | 99% | | | 1% | | | – | | | | | | 1,372 | | |

| Total | | | | | | 3,029 | | | 82% | | | 12% | | | 6% | | | | | | 3,787 | | | 79% | | | 18% | | | 3% | | | | | | 6,816 | | | 80% | | | 16% | | | 4% | | | | | | 6,152 | | | 82% | | | 16% | | | 2% | | | | | | 12,968 | | |

| | | |

| --- | --- | --- |

| 23 | | |

| Australia | | | 48 | | | | | | 16,217 | | | | | | 3,063 | | | | | | – | | | | | | 10.4 | | | | | | 9.4 | | | | | | 104 | | | | | |

| Subtotal | | | | | | 1,247 | | | | | | 210,947 | | | | | | 99,993 | | | | | | 322.4 | | | | | | 323.2 | | | | | | 324.5 | | | | | | | | |

| Subtotal | | | | | | 77 | | | | | | 41,152 | | | | | | 9,320 | | | | | | 55.0 | | | | | | 52.7 | | | | | | 50.1 | | | | | | | | |

| Total | | | | | | 1,334 | | | | | | 252,791 | | | | | | 128,651 | | | | | | 377.4 | | | | | | 379.6 | | | | | | 376.5 | | | | | | | | |

| | | |

| --- | --- | --- |

| United States | | | 1,608 | | | 307 | | | 10 | | |

| Europe | | | – | | | 4 | | | 1,587 | | |

| Total | | | 1,674 | | | 334 | | | 1,808 | | |

Other Properties

Condition

Background

Reserves

Reserves are defined in Subpart 1300 as “*an estimate of tonnage and grade or quality of indicated and measured mineral resources that, in the opinion of the qualified person, can be the basis of an economically viable project.

More specifically, it is the economically mineable part of a measured or indicated mineral resource, which includes diluting materials and allowances for losses that may occur when the material is mined or extracted*”.

A mineral resource is defined in Subpart 1300 as “*a concentration or occurrence of material of economic interest in or on the Earth’s crust in such form, grade or quality, and quantity that there are reasonable prospects for economic extraction.

A mineral resource is a reasonable estimate of mineralization, taking into account relevant factors such as cut-off grade, likely mining dimensions, location or continuity, that, with the assumed and justifiable technical and economic conditions, is likely to, in whole or in part, become economically extractable*”.

Internal Controls

| Canada | | | 456 | | | 70% | | | 30% | | | – | | | | | | 169 | | | 84% | | | 16% | | | – | | | | | | 625 | | | 74% | | | 26% | | | – | | | | | |

| Central & Eastern Europe (PL, RO, SK, CH, HU) (iv) | | | 267 | | | 82% | | | 18% | | | – | | | | | | 232 | | | 51% | | | 49% | | | – | | | | | | 499 | | | 68% | | | 32% | | | – | | | | | |

| Australia | | | 476 | | | 89% | | | 11% | | | – | | | | | | 227 | | | 95% | | | 5% | | | – | | | | | | 703 | | | 91% | | | 9% | | | – | | | | | |

| Subtotal | | | | | | 11,313 | | | 78% | | | 17% | | | 5% | | | | | | 11,640 | | | 86% | | | 9% | | | 5% | | | | | | 22,953 | | | 82% | | | 13% | | | 5% | | |

| Canada | | | 159 | | | 100% | | | – | | | – | | | | | | 22 | | | 100% | | | – | | | – | | | | | | 181 | | | 100% | | | – | | | – | | | | | |

| Central & Eastern Europe (DE, PL, RO, RS, SK, CH, UA) (iv) | | | 695 | | | 95% | | | 1% | | | 4% | | | | | | 563 | | | 85% | | | 3% | | | 12% | | | | | | 1,258 | | | 91% | | | 2% | | | 7% | | | | | |

| Subtotal | | | | | | 2,606 | | | 92% | | | 2% | | | 6% | | | | | | 1,067 | | | 91% | | | 1% | | | 8% | | | | | | 3,673 | | | 92% | | | 1% | | | 7% | | |

| International Solutions | | | Australia | | | 30 | | | 30% | | | 70% | | | – | | | | | | 29 | | | 94% | | | 6% | | | – | | | | | | 59 | | | 61% | | | 39% | | | – | | |

| Subtotal | | | | | | 30 | | | 30% | | | 70% | | | – | | | | | | 29 | | | 94% | | | 6% | | | – | | | | | | 59 | | | 61% | | | 39% | | | – | | |

| Total | | | | | | 13,949 | | | 80% | | | 14% | | | 6% | | | | | | 12,736 | | | 86% | | | 8% | | | 6% | | | | | | 26,685 | | | 83% | | | 11% | | | 6% | | |

| Americas Materials Solutions | | | United States | | | 1,014 | | | 92% | | | 5% | | | 3% | | | | | | 1,583 | | | 82% | | | 17% | | | 1% | | | | | | 2,597 | | | 86% | | | 12% | | | 2% | | | | | | 4,333 | | | 75% | | | 23% | | | 2% | | | | | | 6,930 | | |

| Canada | | | 354 | | | 94% | | | 6% | | | – | | | | | | — | | | — | | | — | | | — | | | | | | 354 | | | 94% | | | 6% | | | – | | | | | | 96 | | | 100% | | | – | | | – | | | | | | 450 | | | | | |

| International Solutions | | | Western Europe (UK, IE, FR, ES, DK, FI) (iv) | | | 331 | | | 20% | | | 80% | | | – | | | | | | 571 | | | 80% | | | 19% | | | 1% | | | | | | 902 | | | 58% | | | 42% | | | – | | | | | | 403 | | | 92% | | | 8% | | | – | | | | | | 1,305 | | |

| Central & Eastern Europe (RO, SK, CH) (iv) | | | 248 | | | 76% | | | 24% | | | – | | | | | | 52 | | | 78% | | | 22% | | | – | | | | | | 300 | | | 76% | | | 24% | | | – | | | | | | 16 | | | 14% | | | 86% | | | – | | | | | | 316 | | | | | |

| Australia | | | 26 | | | 100% | | | – | | | – | | | | | | 347 | | | 67% | | | 33 | | % | – | | | | | | 373 | | | 70% | | | 30 | | % | – | | | | | | 516 | | | 100 | | % | – | | | – | | | | | | 889 | | | | | |

| Subtotal | | | | | | 1,973 | | | 79% | | | 19% | | | 2% | | | | | | 2,553 | | | 79% | | | 20% | | | 1% | | | | | | 4,526 | | | 79% | | | 20% | | | 1% | | | | | | 5,364 | | | 78% | | | 20% | | | 2% | | | | | | 9,890 | | |

| Central & Eastern Europe (DE, RO, SK, UA) (iv) | | | 347 | | | 57% | | | – | | | 43% | | | | | | 205 | | | 71% | | | – | | | 29% | | | | | | 552 | | | 62% | | | – | | | 38% | | | | | | 115 | | | 100% | | | – | | | – | | | | | | 667 | | | | | |

| Subtotal | | | | | | 574 | | | 72% | | | – | | | 28% | | | | | | 307 | | | 78% | | | – | | | 22% | | | | | | 881 | | | 74% | | | – | | | 26% | | | | | | 512 | | | 100% | | | – | | | – | | | | | | 1,393 | | |

| Total | | | | | | 2,618 | | | 78% | | | 15% | | | 7% | | | | | | 3,078 | | | 77% | | | 20% | | | 3% | | | | | | 5,696 | | | 77% | | | 18% | | | 5% | | | | | | 5,877 | | | 80% | | | 18% | | | 2% | | | | | | 11,573 | | |

| Australia | | | 24 | | | | | | 9,518 | | | | | | 1,858 | | | | | | – | | | | | | – | | | | | | 10.4 | | | | | | 67 | | | | | |

| Subtotal | | | | | | 1,209 | | | | | | 205,788 | | | | | | 101,007 | | | | | | 320.8 | | | | | | 322.4 | | | | | | 323.2 | | | | | | | | |

| Subtotal | | | | | | 77 | | | | | | 39,578 | | | | | | 9,473 | | | | | | 50.2 | | | | | | 55.0 | | | | | | 52.7 | | | | | | | | |

| Total | | | | | | 1,296 | | | | | | 246,058 | | | | | | 129,818 | | | | | | 371.0 | | | | | | 377.4 | | | | | | 379.6 | | | | | | | | |

The information concerning mine safety violations or other regulatory matters required by Section 1503(a) of the Dodd‐Frank Wall Street Reform and Consumer Protection Act and Item 104 of Regulation S‐K (17 CFR 229.104) is included in Exhibit 95 to this [removed: Annual Report on] Form 10‐K.

CRH [removed: Form] [added: FORM] 10-K [removed: 27]

| | | |

| --- | --- | --- |

| 26 | | |

[removed: CRH] [added: Market InformationCRH] has a primary listing on the NYSE and an international secondary listing on the LSE of its [removed: ordinary shares,] [added: Ordinary Shares,] each represented by the ticker symbol ‘CRH’.

As of February [removed: 13, 2025,] [added: 4, 2026,] there were approximately [removed: 15,000] [added: 14,350] holders of record of our [removed: ordinary shares.][added: Ordinary Shares.]

[removed: The] [added: Irish Taxation of U.S. HoldersThe] following is a general summary of the main Irish tax considerations applicable to the purchase, ownership and disposition of our [removed: ordinary shares] [added: Ordinary Shares] by U.S. holders.

Dividends on our [removed: ordinary shares] [added: Ordinary Shares] that are owned by residents of the United States and held beneficially through the [removed: Depositary] [added: Depository] Trust Company [removed: (DTC),] [added: (DTC)] will not be subject to DWT provided that the address of the beneficial owner of the [removed: ordinary shares] [added: Ordinary Shares] in the records of the broker is in the United States.

Stamp Duty: Transfer of our [removed: ordinary shares] [added: Ordinary Shares] other than via transfer of book-entry interests in [removed: the] DTC may be subject to Irish stamp duty.

[removed: There] [added: Other Shareholder MattersThere] are no legislative or other legal provisions currently in force in Ireland or arising under our Articles that restrict the payment of dividends or distributions to holders of our [removed: ordinary shares] [added: Ordinary Shares] not resident in Ireland, except for Irish laws and regulations that restrict the remittance of dividends, distributions and other payments in compliance with the sanctions laws of the Security Council of the United Nations, the European Union (and any of its members), the United [removed: Kingdom] [added: Kingdom,] and the United States.

[removed: CRH] [added: Dividend PolicyCRH] has paid dividends on its [removed: ordinary shares] [added: Ordinary Shares] each fiscal year since the formation of the Company in 1970.

Dividends are paid to [added: registered] shareholders on the [removed: Register of Members on the] record date for the dividend.

In line with [removed: this] [added: the Company's policy of consistent long-term] dividend growth [removed: strategy,] and [removed: our] [added: supported by its] strong financial position, the Board approved dividends totaling [removed: $1.40] [added: $1.48] per share in respect of [removed: 2024,] [added: 2025,] a [removed: 5%] [added: 5.7%] increase on the prior year [removed: (2023: $1.33),] [added: (2024: $1.40),] broken into quarterly dividends of [removed: $0.35] [added: $0.37] per share being paid on April [removed: 17, 2024,] [added: 16, 2025,] June [removed: 26, 2024, September] 25, [removed: 2024,] [added: 2025, September 24, 2025,] and December [removed: 18, 2024,] [added: 16, 2025,] respectively.

It is also U.S. Dollar for shareholders holding their [removed: ordinary shares] [added: Ordinary Shares] in registered form, unless a currency election is registered with CRH’s Transfer Agent, Computershare Trust Company [removed: N.A.] [added: N.A.,] in advance of the applicable record date.

Securities Authorized For Issuance Under Equity Compensation [removed: Plans][added: PlansOur equity compensation plan information required by this item is incorporated by reference to the information in Part III, Item 12.]

“Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters” of this [removed: Annual Report on] Form 10-K.

CRH [removed: Form] [added: FORM] 10-K [removed: 28]

[removed: The] [added: Share Performance GraphThe] performance graph below compares the five-year cumulative total shareholder return of our [removed: ordinary shares] [added: Ordinary Shares] from December 31, [removed: 2019,] [added: 2020] to December 31, [removed: 2024,] [added: 2025,] with the cumulative total return for the same period of the S&P 500 Index and the S&P 500 Materials Index.

[removed: ][added: ]

| Comparative Total Return ($) | | | [removed: 2019 | | |] 2020 | | | 2021 | | | 2022 | | | 2023 | | | 2024 | | | [added: 2025 | | |]

The performance graph above is being furnished solely to accompany this [removed: Annual Report on] Form 10-K pursuant to Item 201(e) of Regulation S-K.

It is not being filed for purposes of Section 18 of the Exchange Act, and is not to be incorporated by reference into any filing of the [removed: Company,] [added: Company under the Securities Act of 1933, as amended, or under the Exchange Act,] whether made before or after the date hereof, regardless of any general incorporation language in such filing.

CRH [removed: Form] [added: FORM] 10-K [removed: 29]

In the fourth quarter of [removed: 2024,] [added: 2025,] the Company returned a further $0.3 billion of cash to shareholders through the repurchase of [removed: 2,672,603 ordinary shares] [added: 2,108,172 Ordinary Shares] (equivalent to [removed: 0.4%] [added: 0.3%] of the Company’s issued share [removed: capital).][added: capital as of December 31, 2025).]

This brought total cash returned to shareholders under the Program to [removed: $8.4] [added: $9.6] billion since its commencement in May 2018.

The purchases in the fourth quarter of [removed: 2024] [added: 2025] were completed under the following tranches:

| Date Announced | | | | | | Max Amount to be Repurchased (in $ millions) | | | [removed: Expiry] [added: Expiration] Date | | |

| August [removed: 8, 2024] [added: 6, 2025] | | | (Tranche [removed: 22)] [added: 26)] | | | 300 | | | November [removed: 6, 2024] [added: 5, 2025] | | |

| November [removed: 7, 2024] [added: 5, 2025] | | | (Tranche [removed: 23)] [added: 27)] | | | 300 | | | February [removed: 26, 2025] [added: 17, 2026] | | |

While we currently expect a dividend to be paid in the future, future dividend payments (and amounts thereof) will depend on our earnings, capital requirements, financial condition, and other factors considered relevant by our Board.

| | | |

| --- | --- | --- |

| 27 | | |

| CRH | | | 100.00 | | | 127.08 | | | 98.73 | | | 178.86 | | | 243.08 | | | 332.63 | | |

| S&P 500 | | | 100.00 | | | 128.68 | | | 105.36 | | | 133.03 | | | 166.28 | | | 195.98 | | |

| S&P 500 Materials | | | 100.00 | | | 127.28 | | | 111.66 | | | 125.67 | | | 125.62 | | | 138.85 | | |

| | | |

| --- | --- | --- |

| 28 | | |

| October 1 – October 31, 2025 | | | 671,015 | | | $118.66 | | | 671,015 | | | 62,808,207 | | |

| November 1 – November 30, 2025 | | | 740,757 | | | $113.76 | | | 740,757 | | | 59,431,900 | | |

| December 1 – December 31, 2025 | | | 696,400 | | | $124.84 | | | 696,400 | | | 58,735,500 | | |

| Total | | | 2,108,172 | | | | | | 2,108,172 | | | | | |

Market Information

Irish Taxation of U.S. Holders

The potential for stamp duty could adversely affect the price of our ordinary shares.

Other Shareholder Matters

Dividend Policy

The Board continues to believe that a policy of consistent long-term dividend growth is appropriate for the Company.

It is proposed to pay a quarterly dividend of $0.37 per share on April 16, 2025 to shareholders registered at the close of business on March 14, 2025 in respect of the first quarter of 2025.

Our equity compensation plan information required by this item is incorporated by reference to the information in Part III, Item 12.

Share Performance Graph

| CRH plc | | | 100.00 | | | 109.10 | | | 138.65 | | | 107.72 | | | 195.14 | | | 265.20 | | |

| S&P 500 | | | 100.00 | | | 118.39 | | | 152.34 | | | 124.73 | | | 157.48 | | | 196.85 | | |

| S&P 500 Materials | | | 100.00 | | | 120.73 | | | 153.67 | | | 134.80 | | | 151.71 | | | 151.66 | | |

| October 1 – October 31, 2024 | | | 1,073,950 | | | $91.62 | | | 1,073,950 | | | 51,818,930 | | |

| November 1 – November 30, 2024 | | | 796,638 | | | $99.93 | | | 796,638 | | | 49,385,302 | | |

| December 1 – December 31, 2024 | | | 802,015 | | | $97.82 | | | 802,015 | | | 48,583,287 | | |

| Total | | | 2,672,603 | | | | | | 2,672,603 | | | | | |

CRH [removed: Form] [added: FORM] 10-K [removed: 30]

| | | |

| --- | --- | --- |

| 29 | | |

We have audited the accompanying consolidated balance [removed: sheets] [added: sheet] of CRH plc and subsidiaries (the Company) as of December 31, 2024, [removed: and 2023,] the related consolidated statements of income, comprehensive income, changes in equity and cash flows, for each of the [removed: three] [added: two] years in the period ended December 31, 2024, and the related notes (collectively referred to as the financial statements).

In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2024, and [removed: 2023, and] the results of its operations and its cash flows for each of the [removed: three] [added: two] years in the period ended December 31, 2024, in conformity with accounting principles generally accepted in the United States of America.

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company’s internal control over financial reporting as of December 31, [removed: 2024,] [added: 2025,] based on criteria established in *Internal Control — Integrated Framework (2013)* issued by the Committee of Sponsoring Organizations of the Treadway Commission and our report dated February [removed: 26, 2025,] [added: 18, 2026,] expressed an unqualified opinion on the Company’s internal control over financial reporting.

Acquisitions - Valuation of [removed: Property, plant and equipment related to the Hunter and Adbri acquisitions] [added: contract-based Intangible assets] - Refer to Notes 1 and [removed: 4] [added: 3] to the financial statements

[removed: Accordingly, the] [added: The] purchase price was allocated to the assets acquired and liabilities assumed based on their estimated fair values at the date of acquisition.

This required a high degree of auditor judgment and an increased extent of effort, including the need to involve our [removed: valuation specialists] [added: fair value specialists,] when performing audit procedures to [removed: determine] [added: evaluate] the [added: reasonableness of the] fair value of acquired [removed: Property, plant and equipment under the replacement cost approach.][added: contract-based intangible assets.]

Our audit procedures related to the [removed: fair value of Property, plant] [added: EBITDA margin forecasts] and [removed: equipment acquired as part of the acquisitions] [added: discount rate] included the following, among others:

- We tested the effectiveness of controls over the purchase price allocation, including management's controls over the [removed: assumptions] [added: EBITDA margin forecasts and discount rate] used in the [removed: replacement cost approach for Property, plant and equipment] [added: valuation of contract-based intangibles] and the review of the work of management's third-party specialists.