2022 Interim Results - Debt Investor Presentation

Business income¹ +16% reflecting improving momentum H1 2021 H1 2022 (€m) (€m) Wealth and Insurance Retail Ireland 105 114 101 131 Retail UK (2) (13) Corporate and Markets 83 85 Group Centre and other (5) (10) Business Income 282 307 Share of associates /JVs 1 21 Business Income incl. JVs (ex Davy) 283 328 Davy 0 13 Total Business Income 283 341 Additional gains 2 83 Valuation and other items 34 (86) Other Income 319 338 1 Including Share of Associates and JVs and excluding Davy • Bank of Ireland 2022 Interim Results - Debt Investor Presentation Wealth & Insurance +9% y/y from higher new life business and improved performance on the existing book Retail Ireland +30% y/y vs H1 21 due to higher current account, card fees and FX commission income. H1 21 impacted by COVID-19 Retail UK fee expense primarily reflects profit sharing arrangement, with benefits reflected in net interest income Associates and JVs benefitting from recovery of UK travel industry Davy reflects one month's income following acquisition completion on 1 June Additional gains reflect H1 22 bond sales (c.€3.6bn) Valuation and other items reflect lower equity and bond markets Bank of Ireland 16

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