H1 2020 Credit Presentation

Residential mortgages Gross loans by stage 0.9% €432m €46.3bn €1.7bn €1.7bn €42.9bn Dec 19 Bank of Ireland H1 2020 Credit Presentation Residential mortgages Mortgage portfolios 57% of Group loan book ROI mortgage portfolio €22.9bn at June 2020: €44.3bn • €2.2bn • €1.7bn €40.4bn - Average LTV of 60% on stock - 81% of the portfolio has LTV <80% ■Stage 1 Stage 2 Stage 3 ILA movement UK mortgage €21.5bn at June 2020: - Average LTV of 62% on stock Jun 20 1.3% €55m €94m €581m • 82% of the portfolio has LTV <80% Implementation of new Definition of Default regulatory framework driving increase in stage 3 loans €149m impairment loss allowance increase largely on performing loans including management adjustment relating to payment breaks Impairment coverage increased from 0.9% to 1.3% at June 2020 Dec 19 Stage 1/2 Stage 3 Jun 20 ILA % of gross loans 19 19 Bank of Ireland

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