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Investor Presentaiton

Forward looking information - macro-economic scenarios 30 June 2021 Central scenario - 45% probability weighting Bank of Ireland 2021 Interim Results - Debt Investor Presentation 2021 Ireland 2022 2023-2025 2021 United Kingdom 2022 2023-2025 52 62 GDP growth¹ 4.7% 4.9% 3.0% 5.4% 5.5% 1.8% GNP growth¹ Unemployment rate 6.1% 4.7% 2.6% n/a n/a n/a 8.0% 7.4% 5.6% 5.6% 5.6% 4.6% Residential property price growth 3.0% 2.0% 1.3% 4.0% (1.0%) 1.7% Commercial property price growth (5.5%) (0.5%) 1.5% (4.0%) 0.0% 1.5% Upside scenario -20% probability weighting GDP growth¹ 6.3% 5.9% 3.2% 7.5% 6.2% 1.9% GNP growth¹ 7.7% 5.7% 2.8% n/a n/a n/a Unemployment rate² 7.2% 5.8% 4.4% 5.0% 4.7% 3.8% Residential property price growth³ 5.0% 3.0% 1.7% 6.0% 3.0% 2.3% Commercial property price growth³ (2.5%) 0.5% 2.5% (1.5%) 1.0% 2.5% Downside scenario 1 -25% probability weighting GDP growth¹ 3.0% 2.9% 4.4% 3.6% 1.6% 3.2% GNP growth¹ 2.8% 2.5% n/a n/a n/a 4.6% Unemployment rate² 8.8% 9.1% 7.7% 6.2% 7.0% 6.1% Residential property price growth³ 0.0% (2.0%) (0.3%) 1.0% (3.0%) (0.3%) Commercial property price growth³ (7.0%) (3.0%) 1.0% (6.5%) (3.0%) 0.8% Downside scenario 2-10% probability weighting GDP growth¹ 1.9% 0.8% 2.5% 2.8% 1.5% 1.2% GNP growth¹ 2.9% 0.6% 2.1% n/a n/a n/a Unemployment rate² 10.0% 11.0% 9.8% 7.3% 8.8% 8.2% Residential property price growth³ (3.0%) (5.0%) (1.7%) (4.0%) (8.0%) (3.3%) Commercial property price growth³ (10.0%) (8.5%) (1.3%) (8.5%) (8.0%) (2.2%) 1 Annual growth rate 2 Average yearly rate 3 Year-end figures Bank of Ireland
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