Q1 2020 IMS Presentation

Bank of Ireland Q1 2020 IMS Presentation Q1 net lending growth; reduced activity in April Group loan book movement Net lending growth of €1.5bn €79.5bn €1.4bn (€3.8bn) €3.9bn (€1.4bn) Total €1.5bn €79.6bn Dec 19 Loan book New Lending Revolving Credit Facilities Redemptions FX / Other Mar 20 Loan book • New lending €3.9bn increased 17% vs. Q1 2019; reflecting growth across all divisions • • Irish mortgage market share increased to 26% in Q1 2020 Increased usage in Q1 of revolving credit facilities (RCFs) by Corporate customers Gross new lending volumes (excl. RCFs) €1.1bn • • €0.6bn €0.7bn €0.2bn • €0.1bn €0.2bn Reduced lending and economic activity in April April 2020 new lending (excluding RCFs) 37% lower vs. April 2019 Mortgage applications and drawdowns in Ireland at c.50% vs. Q1 Reduced activity in UK mortgage market impacting new lending volumes Wealth & Insurance new Life and Pension applications at 50% of prior year . Lower fee and FX income from reduced economic activity Bank of Ireland €0.4bn • €0.3bn Apr-19 Apr-20 Retail Ireland Corporate Retail UK 10

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