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Investor Presentaiton

Non-performing loans by portfolio Non-performing loans reducing across all portfolios Composition (Dec 16) Bank of Ireland Group Advances Non-performing Non-performing Defaulted (€bn) loans (€bn) loans as % of loans Defaulted loans as % of Impairment provisions advances (€bn) advances (€bn) Impairment provisions as % of non-performing Impairment provisions as % of defaulted loans loans Residential Mortgages 48.2 3.0 6.3% 2.0 4.2% 1.0 33% 49% Republic of Ireland 24.3 2.2 9.1% 1.7 6.9% 0.9 41% 54% - UK 23.9 0.8 3.5% 0.3 1.4% 0.1 9% 23% Non-property SME and Corporate 20.0 2.0 9.8% 2.0 9.8% 1.1 55% 55% - Republic of Ireland SME 8.8 - UK SME 1.9 Corporate 9.3 8 63 1.5 17.0% 1.5 151 17.0% 0.8 54% 54% 0.2 7.6% 0.2 7.6% 0.1 53% 53% 0.3 3.5% 0.3 3.5% 0.2 63% 63% Property and construction 10.4 2.8 27.3% 2.8 27.3% 1.7 61% 61% - Investment property 9.4 2.1 22.7% 2.1 22.7% 1.2 57% 57% - Land and development 1.0 0.7 69.6% 0.7 69.6% 0.5 73% 73% Consumer 3.8 0.1 2.7% 0.1 2.7% 0.1 94% 94% Total loans and advances to customers 82.4 7.9 9.6% 6.9 8.4% 3.9 49% 56% Composition (Dec 15) Advances Non-performing Non-performing Defaulted Defaulted (€bn) loans (€bn) loans as % of advances loans loans as % of Impairment provisions Impairment Impairment (€bn) advances (€bn) provisions as % of non-performing provisions as % of defaulted loans loans Residential Mortgages 52.9 4.2 7.9% 2.8 5.2% 1.3 31% 47% - Republic of Ireland 25.0 3.0 12.2% 2.3 9.3% 1.2 39% 52% - UK 27.9 1.2. 4.1% 0.5 1.6% 0.1 9% 22% Non-property SME and Corporate 21.0 2.7 13.0% 2.7 13.0% 1.4 53% 53% Republic of Ireland SME 9.3 2.0 21.9% 2.0 21.9% 1.1 52% 52% - UK SME 2.4 0.3 11.1% 0.3 11.1% 0.1 51% 51% Corporate 9.3 0.4 4.6% 0.4 4.6% 0.3 59% 59% Property and construction 13.4 4.9 36.8% 4.9 36.8% 3.0 61% 61% - Investment property 11.4 3.2 28.5% 3.2 28.5% 1.7 53% 53% - Land and development 2.0 1.7 84.8% 1.7 84.8% 1.3 76% 76% Consumer 3.3 0.2 4.1% 0.2 4.1% 0.1 105% 105% Total loans and advances to 90.6 12.0 13.2% 10.6 11.6% 5.9 49% 56% customers 36
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