2019 Interim Results

Risk Weighted Assets (RWAs) / Leverage Ratio Customer lending average credit risk weights - June 20191/2 (Based on regulatory exposure class) Bank of Ireland 2019 Interim Results EBA Transparency Exercise 2018 Country by Country Average IRB risk weights Residential Mortgages - June 2018 Sweden 4.2% Belgium EAD³ RWA (€bn) (€bn) Avg. Risk Weight 9.7% ROI Mortgages 23.8 7.5 32% UK 10.3% UK Mortgages SME 21.7 4.1 19% Finland 10.7% France 11.3% 15.8 12.1 76% Netherlands 11.6% Corporate 11.6 10.6 91% Austria 11.9% Spain 12.8% Other Retail 6.4 4.4 69% Denmark 14.1% Customer lending credit risk 79.3 38.7 49% Germany 14.3% Norway 17.9% Portugal 19.5% Italy 19.9% Ireland • IRB approach accounts for: 70% of credit EAD (Dec 2018: 70%) 71% of credit RWA (Dec 2018: 74%) • RWA has increased from €47.8bn at Dec 2018 to €48.9bn at Jun 2019 primarily driven by the introduction of IFRS16, net loan growth and changes in asset quality and book mix Leverage Ratio • Fully Loaded Leverage Ratio: 6.6% Regulatory Leverage Ratio: 7.2% 38.0% EBA Risk Dashboard Q1 2019 Country by Country Average Leverage ratio Regulatory Leverage Ratio - March 2019 Sweden 4.4% Netherlands 4.7% Denmark 4.7% Germany 4.7% France 5.1% UK 5.3% Finland 5.5% Spain 5.6% Italy 5.6% Belgium 5.7% Austria 6.6% Norway 7.0% Portugal Ireland 7.4% 10.0% 1 EAD and RWA include both IRB and Standardised approaches and comprise both non-defaulted and defaulted loans 2 Securitised exposures are excluded from the table (i.e. excludes exposures included in CRT executed in Nov 2017 and Dec 2016) 3 Exposure at default (EAD) is a regulatory estimate of credit risk exposure consisting of both on balance exposures and off balance sheet commitments Bank of Ireland 50 50

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