Investor Presentaiton

New customer lending +12% 12 New lending¹ by division €6.5bn €5.8bn €2.3bn €2.4bn Bank of Ireland 2021 Interim Results - Debt Investor Presentation Lending trends in H1 2021 • All divisions demonstrating solid recovery - Corporate new lending grew 38% €1.5bn €1.1bn €2.3bn €2.7bn H1 20 H1 21 ■Retail Ireland Corporate Retail UK Group loan book movement €7.2bn (€7.9bn) - Retail Ireland 15% higher with growth across all portfolios Retail UK new mortgage lending +4% with c.170% growth in new Bespoke drawdowns Excluding RCF usage, new lending increased to €6.5bn in H1 2021 vs €5.8bn in H1 2020 Net lending growth of €0.4bn in Retail Ireland and Corporate UK deleveraging of €1.0bn in line with strategy with this trend expected to continue €1.6bn (€0.3bn) €76.6bn Net Lending €77.2bn Dec 20 Loan book New Redemptions Lending NPE Transactions FX / Other Jun 21 Loan Book 1 Excluding Corporate revolving credit facilities of €1.3bn H1 2020 and €0.7bn H1 2021 2 On a constant currency basis Bank of Ireland 15

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