Investor Presentaiton

Regulatory Capital Requirements 12.8% 10.25% Transitional CET1 Ratio 2016 CET1 SREP requirement (Incl. Capital Conservation Buffer) June 2016 2016 Requirements expected to be reviewed annually Bank of Ireland Group +1.5% +1.0% +0.5% O-SII buffer phased in from July 2019 SREP requirement from 2017 onwards not known at this point 2017 2018 2019 2020 2021 Minimum Regulatory Capital Requirement SSM CET1 SREP¹ requirement for 2016 of 10.25%, calculated on a transitional basis O-SII buffer¹ will be phased in at 0.5% from July 2019, 1.0% from July 2020 and 1.5% from July 2021 The CBI (ROI) and FPC (UK) have set the countercyclical buffer (CCyB)² at 0% Capital Guidance EBA stress test result will be an input into the 2017 SREP requirement The Group expects to maintain sufficient capital to meet, at a minimum, applicable regulatory capital requirements plus a management buffer ¹SREP and O-SII requirement are subject to annual review by the Single Supervisory Mechanism (SSM) and the Central Bank of Ireland (CBI) respectively 2CCyB is subject to quarterly review by Central Bank of Ireland (ROI) and Financial Policy Committee (UK) 39

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