Bank of Ireland 2020 Debt Investor Presentation

Cost income ratio: Dec 2020 Headline vs. Adjusted Bank of Ireland 2020 Debt Investor Presentation FY 2020 Headline (€m) Pro forma adjustments (€m) FY 2020 Pro forma (€m) 2,115 561 561 5 (5) (61) 61 2,620 56 2,676 Net interest income Other income - Business income - Additional gains - Other valuation items Total Income Costs - Operating expenses - Transformation Investment Costs Cost income ratio 2,115 1,664 56 1,720 66% • Cost income ratio excludes: - - Levies and Regulatory charges Non-core items • I I 1,664 56 1,720 64% 2020 adjusted cost income ratio is adjusted for: Additional gains and valuation items €56m - 57 Bank of Ireland

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