Investor Presentaiton

Payment breaks Bank of Ireland 2021 Interim Results - Debt Investor Presentation Overview of total payment breaks granted and remaining outstanding as at 30 June 2021 46 46 Ireland Total payment breaks granted Total payment breaks exposure Payment breaks Payment breaks active exposure active % returned to pre-COVID-19 terms % of payment breaks active % with approved additional measures Mortgages 18k €2.7bn 0.0k €0m 95% 0% 5% Consumer 7k €0.1bn 0.0k €0m 94% 0% 6% SME¹ 11k €2.6bn 0.0k €0m 86% 0% 14% Total 36k €5.4bn 0.0k €0m 92% 0% 8% Total payment UK 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 21k €3.2bn 0.2k €26m 98% 1% 1% Consumer 28k €0.4bn 0.3k €4m 95% 1% 4% SME¹ 5k €0.3bn 0.0k €1m 97% 0% 3% Total 54k €3.9bn 0.5k €31m 97% 1% 2% 99.5% of initial 3 month payment breaks to personal and business customers in Ireland and UK have now expired • c.0.5k/ 0.5% of payment breaks remain in place, primarily relating to UK loans Of c.90k payment break cases granted, c.5% have had further forbearance measures approved 1 Includes retail business banking property exposures Bank of Ireland

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