Q1 2020 IMS Presentation

Significant support being provided to our customers Bank of Ireland Q1 2020 IMS Presentation Payment breaks • • Proactively engaging with Banking & Payments Federation Ireland (BPFI), the Central Bank of Ireland (CBI) and Government to provide support to our customers, including recent extension of payment breaks to 6 months BOI UK has also been engaging with a range of stakeholders including UK Finance, British Business Bank, Finance Leasing Association, the FCA and PRA • Focus is on delivering fair, practical and sustainable solutions • • • Granting of payment breaks does not automatically trigger a move to Stage 2 under IFRS 9 To protect customer credit profile, as agreed with the CBI, payment breaks are not adversely reported on Central Credit Register Pace of requests has fallen materially in recent weeks; 90% of requests by mid-April • 86k payment breaks since mid-March launch Ireland1 18k Mortgage payment breaks agreed 10% of number of accounts 12% of portfolio UK1 20k Mortgage payment breaks agreed - 11% of number of accounts 13.5% of portfolio • 4k Consumer loan payment breaks; c.4% of accounts and c.6% of exposures . 17k Northridge payment breaks; 7% of accounts and 12% of exposures 11k SME payment breaks²; c.5% of accounts and c.26% • of exposures; additional c.4k provided with working capital support 15k Consumer loan payment breaks; 12% of accounts and 14.5% of exposures 1k SME payment breaks in Northern Ireland; 6% of accounts and 7% of exposures 1 As at 01/05/2020 2 Includes Bank of Ireland Finance Bank of Ireland 5

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