Bank of Ireland 2020 Debt Investor Presentation

Making good progress on Responsible and Sustainable Business¹ New RSB strategy "Investing in Tomorrow" launched Pillar 1 Enabling all colleagues to thrive Developing digital ability and employability Upskilling and reskilling An inclusive and diverse workplace 50:50 gender target for new leadership appointments Pillar 2 Enhancing Financial Wellbeing Increasing capability and inclusion Protecting the most vulnerable Enabling better financial decisions Improve customer Financial Wellbeing² Index to >70 Bank of Ireland 2020 Debt Investor Presentation Pillar 3 Supporting the Green Transition Setting Science Based Targets³ by 2022 Providing Sustainable Finance Transparently report progress Own operations Net Zero by 2030 RSB strategy built on Stakeholder Engagement Regulatory Expectations Impact Assessment Enhanced Governance Key achievements 2020 . Culture Embedding, +11 to 77%, 3% points ahead of the Global Financial Services benchmark ⚫ c.60% of colleagues registered on Wellbeing app • Over 80% of colleagues engaged in self led digital learning • Over 50% of Irish Secondary Schools ⚫ c.140k customer visits to Financial Wellbeing Hub, including c.60k financial health checks . ⚫ ⚫ Financial Wellbeing Index at 66 (+5 vs. Feb 2019) Enhanced Senior & Vulnerable supports for • over 10k customers in response to COVID-19 Development and launch of the Green Bond Framework; targeting inaugural trade in 2021 Sustainable Finance Fund increased to €2bn Climate risk integrated into frameworks and policies; exclusion policies on participated in Youth Financial Literacy Programme • . Ethnic Diversity and Female talent programmes launched under RISE and ACCELERATE initiatives • 41% of senior appointments in 2020 were female, including 47% in H2 Supported c.100k/ c.€10bn customer payment breaks lending in place 77% reduction in carbon emissions intensity (on a 2011 baseline) across our Scope 1 and 2 emissions; supported by 100% renewable electricity in Ireland & NI Progress demonstrated by improvement in external benchmarking including S&P, Sustainalytics & CDP TCFD TASK FORCE CLIMATE-RELATED FINANCIAL DISCLOSURES THE LEADERS GROUP ON SUSTAINABILITY UNEP NE FINANCE RESPONSIBLE INTAIM BANKING BUSINESS WORKING RESPONSIBLY 1 Full 'Investing in Tomorrow' RSB Strategy explained in Strategic Report section of the Group's 2020 Annual Report 2 National survey conducted by BOI covering saving, spending, borrowing and planning, scored on a 0-100 scale 3 Using methodology aligned with Partnership for Carbon Accounting Financials (PCAF) standards Bank of Ireland 8

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