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Investor Presentaiton

Income statement Net interest income analysis Bank of Ireland 2021 Interim Results - Debt Investor Presentation H2 2019 Average Gross Gross Volumes Interest Rate (€bn) (Єm) (%) H1 2020 Average Gross Gross Volumes Interest Rate (€bn) (€m) (%) H2 2020 Average Gross Gross Volumes Interest Rate (€bn) (€m) (%) H1 2021 Average Gross Volumes Interest (€bn) (€m) Gross Rate (%) Ireland Loans 33.7 583 3.43% 33.4 561 3.38% 33.0 546 3.29% 32.8 537 3.30% UK Loans 28.0 393 2.79% 28.5 371 2.62% 27.1 349 2.56% 27.8 350 2.54% C&T 16.8 312 3.69% 17.4 309 3.57% 16.9 292 3.44% 17.5 296 3.41% Total Loans and Advances to Customers 78.5 1,288 3.26% 79.3 1,241 3.15% 77.0 1,187 3.07% 78.1 1,183 3.05% Liquid Assets 23.9 30 0.25% 26.6 16 0.12% 28.7 (5) (0.03%) 36.8 (39) (0.21%) NAMA Sub Debt 0.1 2 5.26% 0.0 1 5.22% 0.0 (-) 0.00% Total Liquid Assets 24.0 32 0.27% 26.6 17 0.13% 28.7 (5) (0.03%) 36.8 (39) (0.21%) Total Interest Earning Assets 102.5 1,320 2.56% 105.9 1,258 2.36% 105.6 1,183 2.22% 114.9 1,144 2.01% Ireland Deposits 21.0 (5) (0.05%) 21.3 (2) Credit Balances¹ 36.6 6 0.03% 39.6 8 UK Deposits C&T Deposits 18.6 (103) (1.09%) 18.7 (90) 5.0 (9) (0.34%) 4.7 (4) Total Deposits 81.2 (111) (0.27%) 84.2 (88) Wholesale Funding² 9.9 (62) (1.24%) 9.7 (55) (1.13%) (0.02%) 21.6 0.04% 43.8 (0.97%) 16.5 (0.16%) 4.2 (0.21%) 86.1 9.1 (-) (0.00%) 22.2 6 0.05% 12 0.06% 47.1 18 0.08% (60) (0.72%) 15.5 (40) (0.52%) 2 0.09% 3.8 4 0.20% (46) (0.11%) 88.7 (12) (0.03%) (36) (0.78%) 14.6 (12) (0.17%) Subordinated Liabilities 1.5 (41) (5.44%) 1.5 (34) Total Interest Bearing Liabilities 92.6 (214) (0.46%) 95.4 (177) (4.61%) 1.4 (0.37%) 96.6 (28) (4.02%) 1.5 (30) (3.95%) (110) (0.23%) 104.9 (55) (0.11%) Other³ (18) (18) (20) (9) Net Interest Margin as reported 102.5 1,088 2.11% 105.9 1,063 Average ECB Base rate 0.00% 2.02% 0.00% 105.6 1,052 1.98% 114.9 1,080 1.90% 0.00% 0.00% Average 3 month Euribor (0.40%) (0.31%) (0.50%) (0.54%) Average BOE Base rate 0.75% 0.36% 0.10% 0.10% Average 3 month LIBOR 0.78% 0.35% 0.06% 0.07% 1 Credit balances in H1 2021: ROI €37bn, UK €4.6bn, C&T €5.5bn 2 Includes impact of credit risk transfer transactions executed in Dec 2016, Nov 2017 and Dec 2019 3 Includes IFRS 16 lease expense, interest on certain FVPTL items and adjustments that are of a non-recurring nature such as customer termination fees Bank of Ireland 43 43
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