Investor Presentaiton

Asset quality remains strong Group loan book by portfolio Consumer €5.2bn UK mortgages €22.1bn Bank of Ireland 2021 Interim Results - Debt Investor Presentation • Diversified balance sheet with strong credit quality Mortgage portfolios 56% of Group loan book Non-property SME and corporate diversified by sector >80% of the Group loan book is predominantly secured Geographic breakdown of book . 7% 28% 11% ■Property and construction €8.9bn €79.0bn 26% Ireland mortgages €22.4bn 28% 1 Includes POCI Non-property SME and corporate €20.3bn Group loan book by stage 30.1% 29.7% €4.4bn €4.3bn €15.8bn €17.8bn 3.5% 3.7% - Ireland €40.6bn / 51% - UK €32.3bn / 41% Rest of the World €6.1bn / 8% Increase in stage 2 loans since Dec 2020 reflecting updated management adjustment assumptions; minimal ILA movement resulting from this movement - Ireland mortgages €1.3bn higher UK mortgages €1.0bn higher Ireland SME €0.6bn higher Improvements to FLI outlook supporting €1.0bn reduction in stage 2 corporate loans 0.6% 0.3% €58.2bn €56.9bn - FY 20 H121 Stage 1 Stage 2 Stage 3 31 Stage ILA coverage % 20 20 Bank of Ireland

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