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Bank of Ireland 2019 Results Announcement Incremental progress on sustainable returns Return on Tangible Equity (ROTE) 2019-2021 • Lower costs Growth in Wealth and Insurance Loan growth 6.8%¹ (c.1.2%) c.2.5% . Low interest rate environment MREL issuance • Rebase to 13.5% CET1 target c.8.0% 2019 ROTE increase ROTE decrease 2021 Target 1 See slide 54 for calculation 29 29 Bank of Ireland

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