Investor Presentaiton

Wealth & Insurance delivering organic growth 37% of Group Business Income 35% Bank channel penetration (34% H1 2020) Bank of Ireland 2021 Interim Results - Debt Investor Presentation Rebound in performance in H1 2021, but remains impacted by restrictions • Operating profit grew 27% in H1 2021 vs H1 2020 c.€14bn Excess deposits held by HNW/ Affluent customer cohort Ireland's only universal bancassurer • Market leading positions in Life & • • • . Pensions and savings In-house product manufacturing and distribution platforms Over 600k customers and €21.2bn in AUM Irish household net worth at a record €855bn and Irish wealth market AUM expected to grow at 6% • Positive investment market performance of €22m • New premium sales increased 34% to €186m . Cost base improved 1% to €69m > €21bn • AUM (+17% y/y) . . Continuing to gather wealth assets through deposits and investment products, AUM +17% y/y Market share in single premium investment segment steady at c.33% Embedded value €994m; 10% increase since Dec 2020 Delivering on opportunities identified Deposit opportunity continues to grow; low risk investment product sales c.€0.5bn H1 2021 (+83% y/y) Digital platforms provide ability to scale - Broker portal: 68% of new individual pensions applications via digital Growth drivers in W&I . Building out wealth opportunity via existing relationships with HNW and affluent • • - Wealth advice platform: 6,000 . registrations, 60% digital STP and sign up time -66% Digital insurance wallet: generating c.40% of all general insurance policies customers Further growth in Life, Pensions & Investments activity (bulk deals +50% y/y in H1 2021) Increasing penetration of general insurance customer market, with c.85k home and motor policies already in place Wealth growth strategy supported by Davy acquisition¹ 1 Subject to regulatory and competition authority approvals Bank of Ireland 9

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