Investor Presentaiton

Ireland mortgages: €22.4bn New lending volumes and market share 23% 25% €1.0bn €0.9bn Bank of Ireland 2021 Interim Results - Debt Investor Presentation Ireland mortgages (gross) €23.7bn €23.0bn €22.9bn €22.4bn 23% €9.5bn €11.1bn €12.2bn €12.6bn €4.4bn €3.2bn €2.9bn €2.5bn €1.0bn €9.8bn €8.7bn €7.9bn €7.3bn Dec 18 Dec 19 Dec 20 Jun 21 Tracker Variable Rates Fixed Rates H119 H1 20 H121 New Lending Volumes Market Share 42 42 Pricing strategy Fixed rate led mortgage pricing strategy which provides value, certainty and stability to our customers and to the Group Fixed rate products accounted for c.95% of our new lending in H1 2021, up from c.30% in 2014 Distribution strategy - continued expansion into broker channel The Group has continued building out the broker channel expansion in 2021, establishing a large network of active brokers at a national level Wider proposition . 6 in 10 Ireland customers who take out a new mortgage take out a life assurance policy through the Bank of Ireland Group 4.5 in 10 Ireland customers who take out a new mortgage take out a general insurance policy through the Bank of Ireland Group with insurance partners Average customer pay rate of 112bps less Group average cost of funds of 12bps • • LTV profile Average LTV of 58% on mortgage stock at Jun 2021 (Dec 2020: 60%) Average LTV of 74% on new mortgages in Jun 2021 (Dec 2020: 75%) Tracker mortgages • • • €7.0bn or 96% of trackers at Jun 2021 are on a capital and interest repayment basis 82% of trackers are Owner Occupier mortgages; 18% of trackers are Buy-to-Let mortgages Loan asset spread on ECB tracker mortgages was c.100bps' in H1 2021 Bank of Ireland

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