Investor Presentaiton

Business income' +8% H1 2020 (€m) H1 2021 (€m) Wealth and Insurance Retail Ireland 100 105 103 101 • Retail UK 2 (2) Corporate and Markets 67 83 Group Centre and other (6) (5) Business Income 266 282 Share of associates /JVs (3) 1 Total Business Income incl. JVs 263 283 . Additional Gains 2 2 Valuation and other items (109) 34 Other Income 156 319 • 1 Including Share of Associates and JVs Bank of Ireland 2021 Interim Results - Debt Investor Presentation . • Total other income +€163m vs H1 2020 Wealth and Insurance increased 5% vs H1 2020 reflecting higher new business income and existing book income Retail Ireland reduced 2% as a result of lower card fee income Corporate and Markets income increased 24% with higher underwriting fee income and stable FX income JV income reflecting ongoing UK travel restrictions Valuation and other items provide contribution of €34m reflecting positive performance in derivative valuation adjustment, equity and bond markets Reopening to support increased activity and business income growth in H2 2021 Bank of Ireland 16

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