Investor Presentaiton

Bank of Ireland 2021 Interim Results - Debt Investor Presentation Our Responsible and Sustainable Business strategy is fundamental to our purpose of enabling our customers, colleagues and communities to thrive 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 Pillar 3 Supporting the Green Transition Setting Science Based Targets³ by end 2022 Providing Sustainable Finance Transparently report progress Own operations Net Zero by 2030 Key achievements on our RSB strategy in H1 2021 • 43% female appointments in management and leadership roles • 174 appointments into digital roles in H1 2021 of which 66% were internal appointments • . • First Irish company to achieve the 'Disability Smart Standard' • • Partnered with DCU to support students from disadvantaged backgrounds A national financial wellbeing campaign: the F-Word, led to Bank of Ireland receiving the #1 ranking in 'Brand Shout' tracking survey in July Targeted support to customers in long-term credit card debt; customers 2x more likely to take positive action afterwards Enhanced service to support asylum applicants; increase of >300% (Q/Q) in international protection applicants opening a basic bank account • • • Raised €1.25bn Green Bonds Sustainable Finance Fund to increase by €3bn to €5bn, with €1bn already drawn Sustainability-linked mechanisms included in 10 customer deals in H1 2021 (aggregate of €362m gross facilities covered by this mechanism) Continued decarbonisation of our operations H2 2021 focus on implementation & embedding strategy across business, data requirements & developing SBTs³ TCFD TASK FORCE CLIMATE-RELATED FINANCIAL DISCLOSURES THE LEADERS GROUP ON SUSTAINABILITY BUSINESS UNEP PRINCIPLES FO FINANCE RESPONSIBLE INITIATIVE BANKING WORKING RESPONSIBLY 1 Full 'Investing in Tomorrow' RSB Strategy explained in RSB Hub on the Bank of Ireland Group website 2 National survey conducted by BOI covering saving, spending, borrowing and planning, scored on a 0-100 scale 3 Science Based Targets/SBTS - using methodology aligned with Partnership for Carbon Accounting Financials (PCAF) standards Bank of Ireland 11

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