Investor Presentaiton

UK Residential Mortgages: £20.5bn/€24.8bn Bank of Ireland Group UK Residential Mortgages (gross) UK Residential Mortgages (gross) £20.5bn £20.5bn £20.5bn £20.5bn £19.8bn £19.8bn £2.6bn £2.4bn £2.9bn £4.2bn £6.9bn £7.8bn £7.6bn £7.4bn £7.8bn £6.1bn £4.9bn £4.5bn £10.4bn £10.7bn £9.5bn £9.1bn £8.7bn £8.3bn Dec 14 Dec 15 Tracker Variable Rates Fixed Rates Jun 16 Dec 14 Dec 15 Jun 16 Standard Buy to Let Self Certified UK Residential Mortgages Average LTV of 62% on existing stock at H1 2016 (Dec 15: 63%) Average LTV of 69% on new UK mortgages in H1 2016 (Dec 15: 69%) 36

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