Investor Presentaiton

Non-performing loans by portfolio Reducing across all asset classes ROI Mortgages €3.9bn €0.7bn 44% Reduction Bank of Ireland Group UK Mortgages 35% Reduction €3.0bn €0.7bn €2.2bn €0.5bn €3.2bn €1.3bn €1.2bn €2.3bn €1.7bn €0.8bn €0.8bn €0.7bn €0.5bn €0.5bn €0.5bn €0.3bn Dec 14 Dec 15 Dec 16 Dec 14 Dec 15 Dec 16 Defaulted Loans Probationary Mortgages Defaulted Loans Probationary Mortgages Non property SME and Corporate 42% Reduction €3.3bn €2.7bn €2.0bn Dec 14 Dec 15 Non-performing Loans. Dec 16 €7.1bn Property and Construction 60% Reduction €4.9bn €2.8bn Dec 14 Dec 15 Non-performing Loans Dec 16 Note: Non-performing loans includes defaulted loans plus probationary mortgages 11

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