Investor Presentaiton

Balance Sheet Customer loans Liquid assets Other assets Total assets Dec 2020 (€bn) Jun 2021 (€bn) 77 77 • 31 46 26 27 134 150 • Bank of Ireland 2021 Interim Results - Debt Investor Presentation • • Funding & Liquidity LDR reduced from 86% to 85% on foot of growth in customer deposits TLTRO III drawdowns of €10.8bn and growth in customer deposits primary drivers of c.€15bn increase in liquid assets LCR increased from 153% to 177% driven by increase in liquid assets NSFR stable at 138% Customer deposits: €90.6bn Net growth of €2bn principally due to higher Retail and SME volumes in Ireland offset by a decrease in UK and Corporate and Markets volumes Wholesale Funding: €20.4bn Increase of c.€11bn following TLTRO III participation Senior bond of €750m and Tier 2 issuance of €500m (both Green format) during 2021 Capital and MREL requirements primary driver of new wholesale funding Tangible Net Asset Value • TNAV increased to €7.89 Customer deposits 88 Wholesale funding 89 9 91 Shareholders' equity 9 129 20 Other liabilities 27 Total liabilities 134 30 150 • TNAV per share €7.32 €7.89 Closing EUR/GBP FX rates 0.90 0.86 • Dec 2019 Liquidity Coverage Ratio 153% Jun 2021 177% • Net Stable Funding Ratio 138% 138% • Loan to Deposit Ratio 86% 85% Bank of Ireland 24

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