Credit Ratings

Bank of Ireland Group plc (holding company of the Group)

Rating Agencies Standard & Poor’s Moody’s Fitch
Long Term BBB- Baa3 BBB
Outlook* Positive Positive Stable
Short Term A-3 N/A F2

Governor and Company of the Bank of Ireland

Rating Agencies Standard & Poor’s Moody’s Fitch DBRS
Long Term BBB Baa1 (Deposit Rating-A3) BBB A (low)
Outlook* Positive Positive Stable Stable
Covered Bond Rating N/A Aa1 N/A AAA
Short Term A-2 Prime-2 F2 R-1(low)

As of 12th December 2017

*Long term outlook