Investor Presentaiton

UK Mortgages: £20.0bn/€22.6bn £20.5bn UK Mortgages (gross) £20.4bn £20.5bn £20.0bn £2.6bn UK Mortgages (gross) £20.4bn £2.2bn £20.0bn £2.0bn £6.9bn £8.5bn £9.6bn £7.4bn £7.5bn £7.6bn £4.9bn £4.0bn £3.3bn £10.4bn £10.8bn £10.6bn £8.7bn £7.9bn £7.2bn Dec 15 Dec 16 Dec 17 Dec 15 Dec 16 Dec 17 Tracker Variable Rates Fixed Rates Standard Buy to let Self certified LTV profile • Average LTV of 62% on existing stock at Dec 2017 (Dec 16: 62%, Dec 15: 63%) • Average LTV of 72% on new UK mortgages in 2017 (Dec 16: 71%, Dec 15: 69%) Bank of Ireland Group 35

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