Investor Presentaiton

Overview of customer loans Bank of Ireland 2021 Interim Results - Debt Investor Presentation Profile of customer loans' at Jun 2021 (Gross) Ireland UK ROW Total Total Composition (Jun 21) (€bn) (€bn) (€bn) (€bn) (%) Mortgages Non-property SME and corporate SME Corporate Property and construction Investment Development Consumer Customer loans (gross) Geographic (%) 22.5 22.0 0.0 44.5 56% 10.3 5.2 4.8 20.3 26% 7.0 1.8 0.0 8.8 11% 3.3 3.4 4.8 11.5 15% 5.8 1.9 1.3 8.9 11% 4.9 1.7 1.3 7.9 10% 0.9 0.2 0.0 1.1 1% 2.0 3.2 0.0 5.2 7% 40.6 32.3 6.1 79.0 100% 51% 41% 8% 100% €2.3bn Retail Ireland €2.7bn Gross new lending volumes £2.1bn €1.0bn Retail UK £2.0bn Corporate Banking2 €0.9bn €1.5bn €0.3bn £1.2bn £1.2bn €0.2bn €1.1bn €0.6bn €1.4bn €0.6bn €0.2bn €1.2bn £0.7bn £0.2bn H1 20 H1 20 H121 ■Mortgages Consumer Business Banking Property Corporate Ireland Acquisition Finance £0.6bn £0.1bn H121 €0.1bn €0.6bn €0.3bn €0.1bn €0.1bn H1 20 H121 Corporate UK 1 Based on geographic location of customer 2 Excluding Corporate revolving credit facilities Bank of Ireland 41

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