Investor Presentaiton

Summary highlights Bank of Ireland 2021 Interim Results - Debt Investor Presentation Capital • Continued pre-impairment organic capital generation; Strong capital position with fully loaded CET1 ratio of 14.1%, regulatory CET1 ratio 15.3% Capital structure optimised following Tier 2 issue 32 32 RWA MREL Economy Asset Quality • • • • IRB RWA density across largest customer loan portfolios exceeds a wide distribution of European peers RWA Density offers potential mitigation against future implementation of Basel IV MREL Ratio of 27.6% at Jun 2021 Jan 2022 interim target of 24.95%; Jan 2024 target of c.28% MREL eligible senior debt issuance of c.€1bn-€2bn p.a. anticipated; Green bonds will continue to form part of capital and MREL issuance Irish economic sentiment rebounds as economy reopens; housing market sentiment particularly strong Ireland vaccination rollout amongst the most successful in EU. c.85% of adults have received at least one dose, with c.70% now fully vaccinated 99% of payment breaks now concluded with minimal impact on asset quality Proven track record of working with customers to implement sustainable solutions; significantly below industry average for arrears management Bank of Ireland

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