Bank of Ireland H1 2020 Credit Presentation

Non-property SME and corporate €20.4bn €0.8bn €2.2bn Gross loans by stage €20.7bn €1.1bn • 2.4% €487m €17.5bn Dec 19 €5.9bn €13.7bn ■Stage 1 Stage 2 Stage 3 Jun 20 ILA movement €91m €240m Dec 19 Stage 1/2 4.0% €818m Stage 3 Jun 20 ●ILA % of gross loans Bank of Ireland H1 2020 Credit Presentation . Non-property SME and corporate Non-property SME and corporate portfolio well diversified by geography and sector Predominantly secured portfolios; government measures providing additional support €3.7bn increase in Stage 2 loans since Dec 2019 reflecting macro-economic outlook on higher impacted sectors: - Wholesale and retail trade Stage 2 loans increased by €0.3bn to €0.6bn Accommodation and food service activities Stage 2 loans increased by €0.7bn to €0.9bn Acquisition Finance Stage 2 loans increased by €1.0bn to €1.3bn Increased impairment coverage across higher impacted sectors and portfolios: - Wholesale and retail trade exposures €2.5bn, impairment coverage 5.0% (3.3% Dec 2019) Accommodation and food service activities exposures €1.7bn, impairment coverage 3.3% (1.6% Dec 2019) • - Acquisition Finance exposures €4.8bn, impairment coverage 3.5% (1.4% Dec 2019) €240m / 73% of increase in ILA related to performing Stage 1 and Stage 2 loans Impairment coverage increased from 2.4% to 4.0% at Jun 2020 20 20 Bank of Ireland

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