Bank of Ireland 2019 Credit Presentation

Responsible and Sustainable Business Bank of Ireland 2019 Credit Presentation • Signatory to the UN Principles for Responsible Banking • Enhanced board and management governance to drive our RSB agenda; supported by a framework of robust policies across key areas • Good progress on environmental and social aspects • Supporting the low- carbon economy Launched €1bn Sustainable Finance Fund; including first Green Mortgage in Irish market 40% reduction in carbon emissions intensity since 2011; 100% of our Irish electricity procured from renewable sources Integrating climate risk into our risk frameworks Supporter of the Task Force on Climate-related Financial Disclosures recommendations TCFD TASK FORCE CLIMATE RELATED PANCIAL bocco Enabling customers to thrive . Financial Wellbeing strategy launched +50k financial health checks completed; +100k children participated in financial education programme New Vulnerable Customer Unit launched in Ireland • €2bn Brexit Fund to support businesses in Ireland . Enabling colleagues to thrive New People Strategy launched >€11m invested in learning and development Agile Ways of Working rolled out across Group Continued focus on inclusion and diversity Colleague Engagement Index of 60% (+10% since 2017) • UNEP PRINCIPLES FOR FINANCE RESPONSIBLE INITIATIVE BANKING Enabling communities to thrive Significant community investments 4th year of National Enterprise Town Awards with 117 entries from 80 towns and urban villages Continued support of the Arts; Bank of Ireland Cultural and Heritage Centre at College Green Behaving in a responsible and sustainable way is fundamental to achieving our purpose of enabling our customers, colleagues and communities to thrive Bank of Ireland 7

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