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Investor Presentaiton

Property & Construction: €15.1bn 41% Investment Property - €12.5bn 46% 48% 73% Bank of Ireland Group Land and Development - €2.6bn 74% 75% €5.7bn €4.7bn €4.5bn €2.8bn €2.4bn €2.3bn Jun 14 Dec 14 Jun 15 Defaulted Loans Coverage Ratio Jun 14 Dec 14 Jun 15 Defaulted Loans Coverage Ratio Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Impairment charge (6-month) €135m €172m €94m Impairment charge (6-month) €80m €64m €35m Continued progress in reducing defaulted loans - reduction would have been c.€0.2bn higher on a constant FX basis 90% of loans are in default with a coverage ratio of 75% Reduced charge reflects continued recovery in ROI / UK investment property markets 34

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