Investor Presentaiton

Strong performance in H1 2021 H1 2021 Performance €465m Underlying profit before tax • • Asset Quality 5.5% NPE ratio Transformation 4% Reduction in costs Capital 15.3% Regulatory CET1 ratio . Bank of Ireland 2021 Interim Results - Debt Investor Presentation Operating profit pre-impairment +72% vs H1 2020 Total income +14%; higher net interest income, business income and valuation items Strong UK performance; operating contribution +52% on higher margins and lower cost Impairment charge of €1m reflecting improved economic outlook and minimal loan loss experience NPE ratio reduced to 5.5%, supported by €0.3bn Irish mortgage securitisation 99% of payment breaks now concluded with minimal impact on asset quality • 7th straight reporting period of sustainable cost reductions . • End-to-End customer journey programme delivering c.€60m in annualised cost savings Ongoing progress in systems transformation with digital fulfilment now at 75% • Strong capital position; Fully Loaded CET1 ratio 14.1% . Pre-impairment organic capital generation of 90bps H1 2021 vs 45bps H1 2020 Sufficient capital to execute proposed inorganic KBC and Davy opportunities Bank of Ireland 3

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