Bank of Ireland 2020 Debt Investor Presentation

Bank of Ireland 2020 Debt Investor Presentation Payment Breaks Overview of total payment breaks granted and remaining outstanding as at 12 February 2021 46 46 Ireland Total payment breaks granted Total payment breaks exposure active Payment breaks Payment breaks exposure active % returned to pre-COVID-19 terms % of payment breaks active % with approved additional measures Mortgages 20k €3.0bn 0.4k €70m 95% 2% 3% Consumer 7k €0.1bn 0.0k €0m 95% 0% 5% SME¹ 12k €2.9bn 0.1k €67m 88% 1% 11% Total 39k €6.0bn 0.5k €137m 93% 1% 6% Total payment Total payment UK breaks granted breaks exposure active Payment breaks Payment breaks exposure active % returned to pre-COVID-19 terms % of payment breaks active % with approved additional measures Mortgages 22k €3.4bn 1.3k €212m 94% 6% 0% Consumer 32k €0.4bn 3.6k €41m 87% 11% 2% SME¹ 6k €0.3bn 0.1k €15m 97% 1% 2% Total 60k €4.1bn 5.0k €268m 90% 8% 2% 1 Includes retail business banking property exposures; BIF portfolio of c.€25m updated as at 31 January 2021 Bank of Ireland

View entire presentation