Investor Presentaiton

Looking forward Growth opportunities • • • Bank of Ireland 2021 Interim Results - Debt Investor Presentation Strong growth opportunities in all our markets as economies recover from COVID-19 Changing market dynamics in our Irish franchise offer further opportunities to sustainably grow our businesses UK business turnaround, with a smaller more profitable business model, will continue to accrete value Inorganic opportunities . • KBC and Davy acquisitions' will further our ambition to be the National Champion Bank in Ireland The Group has sufficient capital to execute both of these transactions which are expected to be ROTE accretive State sell-down Medium term targets • • . Irish Government decision to reduce its 14% ownership is an important milestone in further normalising its relationship with the Group Bank of Ireland will be the first Irish bank to fully return to private ownership Medium term targets to be refreshed at strategy update; timing subject to proposed Davy and KBC transactions', expected in 2022 Subject to regulatory and competition authority approvals Bank of Ireland 37

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