Investor Presentaiton

UK Residential mortgages: £20.4bn/€23.9bn Bank of Ireland Group UK Residential Mortgages (gross) UK Residential Mortgages (gross) £20.5bn £20.5bn £20.4bn £20.4bn £19.8bn £19.8bn £2.6bn £2.2bn £2.9bn £4.2bn £6.9bn £8.5bn £7.6bn £7.4bn £7.8bn £6.1bn £4.9bn £4.0bn £10.4bn £10.8bn £9.5bn £8.7bn £9.1bn £7.9bn Dec 14 Dec 15 Dec 16 Dec 14 Tracker Variable Rates Fixed Rates UK Residential Mortgages ► Average LTV of 62% on existing stock at 2016 (Dec 15: 63%) ► Average LTV of 71% on new UK mortgages in 2016 (Dec 15: 69%) Dec 15 Standard Buy to let Self certified Dec 16 33

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