H1 2020 Credit Presentation

. Enabling our colleagues and communities to thrive Colleagues Colleague engagement up 8 points since Q4 2019 to a high of 70%, surpassing the Global Financial Services benchmark for Engagement for the first time 87% of colleagues believe that the Group is quickly adapting to the changing ways of doing business; new ways of working established for H2 2020 Launched Family Carers Ireland 'Caring Employers' Programme Allowance scheme for colleagues working in front line and on site locations was extended to July 2020 Colleague supports include mental and physical wellbeing app, 24/7 health support line, and COVID-19 communications hub Over 119k learning courses completed by colleagues in H1 2020 Bank of Ireland H1 2020 Credit Presentation Communities Proactive and regular engagement with Irish Government and state bodies to support re-boot of Irish economy Customers' view that Bank of Ireland 'cares about community' is a key driver of improvement in relationship NPS to June 2020 ESG progress reflected in improved Sustainalytics ESG Risk Rating from 29.3 to 22.4 Fast tracking of payments to more than 1,000 SME suppliers nationwide extended for the remainder of 2020 Donated €1m in emergency funding for communities with urgent needs Launched €3m Begin Together campaign to improve financial, physical and mental wellbeing 'Best Bank in Ireland' Euromoney Awards for Excellence 2020 Bank of Ireland 7

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