Bank of Ireland H1 2020 Credit Presentation

. • Appendix BOI overview - customer loans / new lending volumes • ROI mortgage loan book Income Statement Net interest income analysis Structural hedge Interest rate sensitivity Asset Quality - - Non-performing exposures by portfolio Portfolio by stage Non-property SME and corporate by stage Forward Looking Information - macro-economic scenarios ROI Mortgages UK customer loans Ordinary shareholders' equity and TNAV Capital CET1 ratios Transformation investment / operating expenses Cost income ratio: Jun 2020 Defined Benefit Pension Schemes Forward-Looking statement . Contact details Bank of Ireland H1 2020 Credit Presentation Slide No. 40 41 42 43 44 45 46 47 48 QUER 49 50 51 23155 52 53 54 55 56 57 Bank of Ireland 39

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