2020 Results Announcement

Regulatory Capital Requirements Bank of Ireland 2020 Results Announcement 50 50 Pro forma CET1 Regulatory Capital Requirements 2019 2020 2021 Pillar 1 CET1 4.50% 4.50% 4.50% Pillar 2 Requirement (P2R) 2.25% 1.27% 1.27% Capital Conservation Buffer (CCB) 2.50% 2.50% 2.50% Ireland Countercyclical buffer (CCyB) UK Countercyclical buffer (CCYB) O-SII Buffer (phase in July each year) Systemic Risk Buffer - Ireland Pro forma Minimum CET1 Regulatory Requirements Pillar 2 Guidance (P2G) 0.60% 0.00% 0.00% 0.30% 0.00% 0.00% 0.50% 1.00% 1.50% 10.65% 9.27% 9.77% Not disclosed in line with regulatory preference • Regulatory Capital Requirements The Group's 2021 regulatory CET1 requirement, excluding P2G, has reduced by 188bps to 9.77% CET1 headroom of c.510bps to Dec 2021 regulatory capital requirements of 9.77% Regulatory total capital ratio of 19.2% at Dec 2020 provides headroom of c.495bps above 2021 total capital requirement of 14.25% Bank of Ireland

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