Investor Presentaiton

Cost income ratio: Jun 2021 Headline vs. Adjusted Net interest income Other income Bank of Ireland 2021 Interim Results - Debt Investor Presentation H1 2021 Headline (€m) 1,080 Pro forma adjustments (€m) H1 2021 Pro forma (€m) 1,080 - Business income 282 282 - Additional gains 2 (2) - Other valuation items 34 (34) Total Income 1,398 (36) 1,362 Costs - Operating expenses 816 - Transformation Investment 21 Costs Cost income ratio • Cost income ratio excludes: - - Levies and Regulatory charges Non-core items • 837 60% 816 21 837 61% H1 2021 Adjusted cost income ratio is adjusted for: Additional gains and valuation items €36m Bank of Ireland 58

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