H1 2020 Credit Presentation

Supporting our customers during COVID-19 Customers Relationship Net Promoter Score (NPS) improved by 10 points from end 2019; reflecting actions taken to support customers Over 100k payment breaks approved for personal and business customers in Ireland and the UK Residential development lending fund increased by €0.4bn to €2bn to support homebuilding Additional €1bn in funding for green mortgages and loans launched through the Bank of Ireland Sustainable Finance Fund to support a green recovery Issued over 50% of all business loans under the government COVID-19 Working Capital Loan Scheme since launch Over £0.2bn of approved new lending to businesses in the UK through government guarantee schemes Ready to support €2bn Irish Credit Guarantee Scheme 1 Total approved initial 3 month payment breaks as at 24 July 2020 2 Includes retail business banking property exposures 3 Based upon 3 month expiration / responses from c.75% of Irish customers at 24 July 2020 4 Based upon 3 month expiration / responses from c.54% of UK customers at 24 July 2020 Bank of Ireland H1 2020 Credit Presentation Payment Breaks Ireland' No. of accounts Exposure Mortgages Consumer SME² Total 21k €3.1bn 8k €0.1bn 13k €2.8bn 42k €6.0bn % of accounts % of portfolio UK1 11% 4% 11% 9% 13% 6% 30% 18% Mortgages Consumer SME² Total No. of accounts Exposure % of accounts 23k €3.3bn 14% 32k €0.4bn €0.4bn 8k 63k €4.1bn 10% 16% 11% % of portfolio 15% 12% 15% 15% 105k / €10.1bn initial 3 month payment breaks approved in Ireland (€6.0bn) and the UK (€4.1bn) Proactively contacting customers with options at the end of initial 3 month payment break; of those customers contacted: - - In Ireland, c.54% of mortgage accounts and c.62% of SME accounts have availed of a 3 month payment break extension with remainder resuming capital and interest payments³ In the UK, c.33% of mortgage accounts and less than 10% of consumer accounts have availed of a 3 month payment break extension with remainder resuming capital and interest payments4 Bank of Ireland 6

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