2019 Interim Results

44 44 ROI Mortgages Continued proactive arrears management >90 days arrears¹ Industry Average Industry Average 17.3% 7.1% Bank of Ireland 2.1% Owner Occupier Owner Occupier Bank of Ireland 4.9% Buy to let Buy to let >720 days arrears¹ Industry Average Industry Average 13.4% Bank of Bank of Ireland 4.6% Ireland 2.4% 1.1% Owner Occupier Owner Occupier Buy to let Buy to let >90 days arrears . Bank of Ireland 2019 Interim Results Bank of Ireland is significantly below the industry average for both Owner Occupier (30% of industry average) and Buy to Let (28% of industry average) >720 days arrears • Bank of Ireland is significantly below the industry average for both Owner Occupier (24% of industry average) and Buy to Let (18% of industry average) NPE Resolution strategies • Continued progress on reduction in Irish mortgage NPES, c.€0.5bn reduction in H1 2019 • Securitisation of Irish BTL mortgage NPES (c.€0.4bn) was executed in April 2019 • Further c.€0.2bn of loans prioritised for transaction during H2 2019 • NPE reduction strategies will be kept under review to respond to the associated and evolving regulatory framework 1 As at March 2019, based on number of accounts, industry average excluding BOI Bank of Ireland

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