Bank of Ireland 2020 Interim Results

46 46 UK Customer Loans £29.1bn (€31.7bn) Scotland £1.2bn ■Rest of England £9.1bn UK Mortgages - £19.6bn South East £2.0bn Wales £0.8bn Greater London £3.3bn Northern Ireland £1.1bn Outer Metropolitan £2.1bn Other UK Customer Loans - £9.5bn £0.1bn £3.1bn £0.1bn £0.5bn £1.3bn SME Corporate £0.1bn £3.0bn £1.0bn £0.2bn Land & Development Consumer Investment Property Performing loans Non-performing exposures UK Mortgages Analysis - £19.6bn • . . Bank of Ireland 2020 Interim Results Total UK mortgages of £19.6bn; (NPES: 3.1%): Average LTV of 62% on existing stock at Jun 2020 (Dec 19: 63%) Average LTV of 71% on new UK mortgages in H1 2020 (2019: 73%) 68% of the current mortgage portfolio originated since January 2010 are standard owner occupier mortgages BTL book is well seasoned with 62% of these mortgages originated prior to January 2010 Average balance of Greater London mortgages is c.£194k, with 91% of Greater London mortgages having an indexed LTV <70% Other UK Customer Loans Analysis - £9.5bn Non-performing exposures of £0.8bn with strong coverage ratios Performing loans of £8.7bn: SME: broad sectoral diversification with low concentration risk Corporate: specialist lending teams in Acquisition Finance and Corporate lending through a focused sector strategy Investment Property: primarily retail, office and residential sectors Consumer (£3.1bn): Northridge (£1.9bn): Asset backed motor finance business; net loan book stable in H1 2020; mid-market targeting prime business only; below industry arrears and loan losses Personal loan volumes (£1.2bn): net loan book increase of £0.1bn in H1 2020 Bank of Ireland

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