2020 Results Announcement

BOI Overview Composition (Dec 20) Mortgages Non-property SME and corporate SME Corporate Property and construction Investment Development Consumer Customer loans (gross) Geographic (%) €5.8bn €2.3bn Retail Ireland Bank of Ireland 2020 Results Announcement Profile of customer loans' at Dec 20 (Gross) Ireland UK RoW Total Total (€bn) (€bn) (€bn) (€bn) (%) 22.9 21.8 0.0 44.7 57% 10.6 5.0 4.3 19.9 25% 7.1 1.7 0.0 8.8 11% 3.5 3.3 4.3 11.1 14% 5.4 1.9 1.2 8.6 11% 4.7 1.7 1.2 7.6 10% 0.7 0.2 0.0 0.9 1% 2.0 3.3 0.0 5.3 7% 40.9 32.0 5.6 78.5 100% 52% 41% 7% 100% Gross new lending volumes £5.9bn €5.3bn €0.6bn €0.5bn Retail UK Corporate Banking £4.8bn €2.1bn €4.0bn £3.6bn £3.1bn €1.3bn €2.6bn² €0.7bn €1.2bn €1.3bn £2.1bn €0.3bn £1.4bn £0.4bn €0.9bn €0.7bn €0.Zon FY 2020 FY 2019 FY 2020 €2.9bn €2.7bn FY 2019 ■Mortgages Consumer 1 Based on geographic location of customer 2 Excludes revolving credit facilities £0.2bn FY 2019 Business Banking Property FY 2020 Corporate Ireland Acquisition Finance Corporate UK Bank of Ireland 34

View entire presentation