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Investor Presentaiton

Return on tangible equity (ROTE) H1 2021: Headline vs. Adjusted Profit for the period - Non-core items including tax - Coupon on Additional Tier 1 securities H1 2021 Headline (€m) 341 Bank of Ireland 2021 Interim Results - Debt Investor Presentation Additional gains & valuations items, net of tax 58 (34) (4) - Preference share dividends Adjusted profit after tax 361 (32) Annualised profit after tax 735 (64) At June 2021 - Shareholders' equity 9,254 - Intangible assets (797) - Shareholders' tangible equity 8,457 Average shareholders' tangible 8,091 equity Return on tangible equity (ROTE) 9.1% • H1 2021 Adjusted return on tangible equity is adjusted for: Additional gains and valuations items, net of tax - €32m Adjusted for CET1 ratio at 13.0% H1 2021 Adjusted (€m) Average shareholders' tangible equity calculated on a CET1 ratio at 13% - €282m 329 671 (497) 8,757 (797) (497) 7,960 (282) 7,809 8.6% Bank of Ireland 59
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