H1 2020 Credit Presentation

High frequency Irish data show improving trends 650,000- Number of Pandemic Unemployment Payment recipients; 52% below peak Bank of Ireland H1 2020 Credit Presentation BOI Economic Pulse reflects the gradual reopening of Ireland's economy 110- 100- 550,000- 90- 80- 450,000- 70 60- 350,000- 50- 40- 250,000 30- 07-Apr 05-May 02-Jun 30-Jun 28-Jul Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Aggregate credit and debit card spend¹ (Єm) is now broadly in-line with the pre-COVID level Housing sentiment tracking higher 1,600 120- 1,500- 100- 1,400- 1,300- 80- 1,200 60- 1,100- 1,000- 40- 900- 800 20- 07-Mar 03-Apr 30-Apr 27-May 23-Jun 20-Jul Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Jul-20 Sources: Dept. of Employment Affairs & Social Protection; Bank of Ireland Economic Pulse; Bank of Ireland Housing Pulse; Central Bank of Ireland 1 Card spend data are presented on a 7 day moving sum basis Bank of Ireland 9

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