2019 Interim Results Credit Presentation

Net lending growth of €1.2bn Group loan book movement €7.7bn (€6.5bn) €0.2bn (€0.3bn) (€0.1bn) Total €1.2bn €77.0bn¹ €78.0bn¹ • Dec 18 Loan Book New Lending Redemptions Loan Book Acquisitions Irish Mortgage NPE FX / Other Jun 19 Loan Book Securitisation Net lending of €1.2bn €0.7bn €0.6bn H1 2018 H2 2018 2019 Interim Results Credit Presentation Net lending growth of €1.2bn in H1 2019 • Expect further net lending growth in H2 2019, while maintaining our risk and commercial discipline Ireland: €0.2bn net lending growth • Mortgages net lending €0.2bn lower with market share of 23% SME net lending €0.1bn lower: growth in market share Consumer net lending growth of €0.1bn Corporate Banking net lending growth of €0.4bn UK/International: €1.0bn net lending growth • Mortgages net lending €0.1bn lower; new lending down 15% on H1 2018 reflecting market dynamics Consumer net lending growth of €0.2bn; strong performance through AA brand Northridge net lending growth of €0.4bn; distribution expanding, risk appetite unchanged SME/Other net lending €0.2bn lower due to continued wind down of legacy portfolio Corporate UK net lending growth of €0.3bn; maintaining disciplined approach to growth with Brexit focus Acquisition Finance: net lending growth of €0.4bn; remain risk focussed with 4 out of 5 loans declined €1.2bn . HT 2019 1 Includes UK Credit Card portfolio €0.6bn classified as held for sale as at June 2019. Sale completed in mid July 2019 Bank of Ireland 10

View entire presentation