2020 Interim Results

Increasing trend to digital engagement accelerating Longer term trend of decline in over-the-counter branch transactions and services (61%) Mobile app now accounts for over 60% of digital traffic Bank of Ireland 2020 Interim Results >65% of high volume product applications fulfilled digitally (28%) Branch ATM E H1 2018 H1 2019 E H1 2020 (38%) +7% +5% 36% 39% 65% 47% 64% 61% 53% Cheque H1 2018 H1 2019 35% 4% 20% 30% 34% 96% 80% 66% 70% 100% + + H1 2020 ROI ROI ROI Current Deposits Credit accounts cards ROI UK Personal Deposits Personal loans loans UK Mobile app traffic Non-app digital traffic <10% branch transactions are completed over-the-counter 1 Active digital users: customer has logged in during the past 90 days 1.2m active digital users¹ representing c.70% of the current account base Over 20m visits per month to digital channels Digitised Assisted New current account origination journey launched H1 2020; fully digitised 100% Cloud service including biometrics Bank of Ireland 10

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