H1 2020 Credit Presentation

ROI Mortgages Continued proactive arrears management >90 days arrears¹ Industry Average Industry Average 15.7% Bank of Ireland Bank of Ireland 6.5% 3.8% 1.9% Owner Occupier Owner Occupier Buy to let Buy to let >720 days arrears¹ Industry Average Industry Average 12.1% Bank of Ireland Bank of Ireland 4.3% 1.0% 2.1% Owner Occupier Owner Occupier Buy to let Buy to let 1 As at March 2020, based on number of accounts, industry average excluding BOI Bank of Ireland H1 2020 Credit Presentation >90 days arrears . Bank of Ireland is significantly below the industry average for both Owner Occupier (29% of industry average) and Buy to Let (24% of industry average) >720 days arrears • Bank of Ireland is significantly below the industry average for both Owner Occupier (23% of industry average) and Buy to Let (17% of industry average) 49 49 Bank of Ireland

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