Investor Presentaiton

Credit Ratings Bank of Ireland 2021 Interim Results - Debt Investor Presentation (Stand alone BOIG ratings) GovCo MOODY'S Instrument Ratings Fitch Ratings S&P Global BOIMB BOIG GovCo BOIG GovCo BOIG GovCo (ACS)³ MOODY'S baa2¹ Stable A2 Stable Fitch Ratings bbb Negative Investment Grade Aaa Aaa Aaa c AAA AAA AAA AAA Aa1 Aa1 Aa1 AA+ AA+ AA+ AA+ Aa2 Aa2 Aa2 AA AA AA AA Aa3 Aa3 Aa3 AA- AA- AA- AA- A1 A1 A1 A+ A+ A+ A+ BBB+ Negative A3 22 A2 A2 S A2 A A A A A3 A3 A- A- A- A- Baa1 s Baa1 Baa1 BBB+ BBB+ S BBB+ BBB+ Baa2 Baa2 Baa2 BBB S BBB BBB BBB Baa3 T2 Baa3 Baa3 BBB- BBB- BBB- BBB- bbb² A- S&P Global Negative Negative Sub Investment Grade Ba1 Ba1 Ba1 BB+ T2 BB+ T2 BB+ BB+ T2 Ba2 AT1 Ba2 Ba2 BB BB BB T2 BB Ba3 Ba3 Ba3 BB- AT1 BB- BB- BB- B1 B1 B1 B+ B+ B+ B+ B2 B2 B2 B B B AT1 B B3 B3 B3 B- B- B- B- (...) (...) (...) (...) (...) (...) (...) Covered bond S Senior unsecured T2 Tier 2 AT1 Additional Tier 1 1 BOIG entity rating = Baa1 2 BOIG entity rating = BBB- 3 BOIMB is the Group's issuer of Irish Covered Bonds (ACS). Moody's has not assigned an issuer rating to BOIMB Bank of Ireland 30

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