Investor Presentaiton

Summary and conclusion Bank of Ireland 2020 Interim Results Trading outlook While uncertainties remain, accelerated economic activity is supporting improved outlook for 2020 lending and income vs. Q1 outlook Capital Strong capital position with fully loaded CET1 ratio of 13.6%, regulatory CET1 ratio 14.9% Asset quality Proven track record, over a sustained period, of working with customers to find sustainable solutions Transformation Efficiency UK retail Multi-year programme delivery against milestones; delivering agile, digitised solutions for customers and creating cost efficiencies All tactical and strategic opportunities being captured to further reduce our cost base; 2021 costs to be below previous guidance of €1.65bn Further restructuring required to improve returns; strategic review of Northern Ireland retail business recently commenced Bank of Ireland 32 32

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