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Investor Presentaiton

BOI Overview Profile of customer loans¹ at Dec 19 (Gross) Bank of Ireland 2019 Results Announcement ROI UK RoW Total Total Composition (Dec 19) (€bn) (€bn) (€bn) (€bn) (%) Mortgages 23.1 23.2 0.0 46.3 58% Non-property SME and corporate 10.8 5.22 4.4 20.4 25% SME 7.2 1.8 0.0 9.0 11% Corporate 3.6 3.4 4.4 11.4 14% Property and construction 5.3 2.0 0.8 8.1 10% Investment property 4.7 1.8 0.8 7.3 9% Land and development 0.6 0.2 0.0 0.8 1% Consumer 2.2 3.5 0.0 5.7 7% Customer loans (gross) 41.4 33.9 5.2 80.5 100% Geographic (%) 51% 42% 7% 100% 1 Based on geographic location of customer 2 Includes GB business and corporate loan books, which BOI is required to run down under its EU approved Restructuring Plan (Dec 2019: £0.3bn; Dec 2018: £0.4bn) Bank of Ireland 36
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