Investor Presentaiton

UK Residential mortgages: £20.0bn/€28.1bn 22% Defaulted loan volumes 23% 24% £457m £395m £351m Jun 14 Dec 14 Jun 15 Coverage Ratio Defaulted Loans June 14 Dec 14 June 15 Impairment charge (6-month) (£3m) (£3m) (£2m) Bank of Ireland Group UK residential mortgage books continue to perform well Impairment reversal reflects on-going favourable economic and property market conditions and continued low level of arrears 32

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