2022 Interim Results - Debt Investor Presentation

Cost income ratio: June 2022 Headline vs Adjusted Bank of Ireland 2022 Interim Results - Debt Investor Presentation H1 2022 Headline (€m) 1,072 Pro forma adjustments (€m) H1 2022 Pro forma (€m) 1,072 320 83 (86) (86) 1,389 3 1,392 Net interest income Other income - Business income - Additional gains - Other valuation items Total Income Costs - Operating expenses Costs Cost income ratio 320 83 (849) (849) 61% • Cost income ratio excludes: Levies and regulatory charges Non-core items • (849) (849) 61% H1 2022 adjusted cost income ratio is adjusted for: Additional gains and valuation items of (€3m) Bank of Ireland 58

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