2019 Interim Results

Regulatory Capital Requirements Bank of Ireland 2019 Interim Results 19 49 Range 4.50% 2017 4.50% 1% -2.25%² 2.25% 2.50% 1.25% 2018 2019 2020 2021 4.50% 4.50% 4.50% 4.50% 2.25% 2.25% 2.25% 2.25% 1.88% 2.50% 2.50% 2.50% 0.30% 0.90% 0.90% 0.90% CBI 0% - 2.50% FPC (UK) 0% - 2.50% Fed/Various 0% - 2.50% CBI Minister for Finance 0% - 2.00% 0% - 3.00% 8.00% 0.60% 0.60% 0.60% 0.30% 0.30% 0.30% 0.30% 0.50% 1.00% 1.50% TBC 8.93% 10.65% 11.15% Not disclosed in line with regulatory preference TBC 11.65% Pro forma CET1 Regulatory Capital Requirements Set by Pillar 1 - CET1 Pillar 2 Requirement (P2R) Capital Conservation Buffer (CCB) Countercyclical buffer (CCyB)1 Ireland (c.60% of RWA) (from 5 July 2019) UK (c.30% of RWA) (from November 2018) US and other (c. 10% of RWA) CRR SSM CRD O-SII buffer (from 1 July 2019) Systemic Risk Buffer - Ireland Pro forma Minimum CET1 Regulatory Requirements Pillar 2 Guidance (P2G) Regulatory Capital Requirements • A minimum CET1 ratio of 9.55% on a regulatory basis from 1 Jan 2019, increasing to 10.65% from July 2019 • The Central Bank of Ireland has requested the power to introduce a Systemic Risk Buffer in Ireland under Article 133 of CRD IV which could increase the minimum regulatory capital demand. The size, timing and application of any potential SyRB are currently unknown • Pillar 2 Guidance (P2G) is not disclosed in accordance with regulatory preference. The increase in Capital Conservation Buffer (CCB) in 2019 was offset by a like for like reduction in the P2G. In addition the P2G reduced for 2019 following the outcome of the 2018 EBA Stress Test 1 CCуB could be set in excess of 2.50% in exceptional circumstances. A change in the CCYB could also be implemented in less than 12 months in exceptional circumstances 2 This is the expected range for P2R, which is subject to annual review Bank of Ireland

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