2019 Interim Results Credit Presentation

Cost income ratio: Jun 2019 Headline vs. Adjusted Net interest income Other income - Business income 2019 Interim Results Credit Presentation H1 2019 Headline (Єm) Pro forma adjustments (Єm) 1,069 H1 2019 Pro forma (Єm) 1,069 311 311 - Additional gains 3 (3) - Other valuation items¹ 28 (18) 10 Total Income 1,411 (21) 1,390 Costs - Operating expenses - Transformation Investment Costs Cost income ratio 840 63 903 64% 840 63 903 65% • Cost income ratio excludes; - Levies and Regulatory charges Non-core items . H1 2019 adjusted cost income ratio is adjusted for; Additional Gains and valuation items¹ (€21m) - 1 Excludes IFRS income classifications which is fully offset in net interest income Bank of Ireland 55 55

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