2020 Results Announcement

2020 Financial Summary Bank of Ireland 2020 Results Announcement • • Underlying loss before tax €374m; return to profitability in H2 Total income 8% lower; stronger performance in H2 Costs reduced by 4% IFRS 9 impairment charge €1.1bn; at lower end of guidance range • Stable net lending • NPE ratio 5.7%; stable in H2 • Strong CET1 capital ratios; 14.9% (regulatory) and c.510bps above minimum requirements; 13.4% (fully loaded) Bank of Ireland 18

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