H1 2020 Credit Presentation

Non-property SME and corporate by stage 1,2 Composition (Jun 20) Sectoral analysis by stage Non-property SME and corporate - Manufacturing - Wholesale and retail trade - Administrative and support service activities Bank of Ireland H1 2020 Credit Presentation Gross carrying amount Impairment loss allowance ILA % (before impairment loss allowance) Stage 1 Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI of gross Total loans €m €m €m €m €m €m €m €m €m €m 3,013 1,305 117 4,435 1,723 569 147 1 2,440 1,705 562 95 26 2,388 - Accommodation and food service activities 783 889 105 1,777 - Agriculture, forestry and fishing 1,347 202 119 1,668 - Human health services and social work activities 766 620 68 1,454 - Transport and storage 675 367 71 1,113 - Other services - Arts, entertainment and recreation. - Financial and insurance activities - Real estate activities - Education - Other sectors Total Composition (Dec 19) Sectoral analysis by stage Non-property SME and corporate - Manufacturing - Wholesale and retail trade - Administrative and support service activities 615 221 145 981 - Professional, scientific and technical activities 462 176 14 652 308 306 31 645 535 51 24 610 397 118 73 588 374 71 1 446 983 442 37 1,462 222277656240389 46 21 17 12 14 17 9 11 10 13,686 5,899 1,047 27 20,659 154 227824452 12 9 18 15 4233224561823 79 29 TINTI 115 2.6% 123 5.0% 100 4.2% 59 3.3% 55 3.3% 87 6.0% 63 5.7% 55 69 7.0% 19 2.9% 11 31 4.8% 14 2.3% 42 7.1% - 7 1.6% 11 34 2.3% 7 818 4.0% Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Stage 1 Stage 2 Stage 3 POCI Total €m €m €m €m €m Stage 1 €m Stage 2 Stage 3 POCI Total of gross loans €m €m €m €m 3,963 356 99 2,031 327 129 1,987 142 - Agriculture, forestry and fishing 1,523 127 - Accommodation and food service activities 1,476 193 - Human health services and social work activities 1,018 414 - Transport and storage 902 137 - Other services 778 98 - Financial and insurance activities 662 14 - Professional, scientific and technical activities 597 67 - Real estate activities 435 90 - Arts, entertainment and recreation 364 62 - Education 426 8 - Electricity, gas, steam and air conditioning supply 363 38 - Other sectors 949 102 226220422202-32 1 4,418 2,488 67 25 2,221 94 1 1,745 49 1,718 1,462 08773 4 10 11 10 15 1,085 3 999 19 695 1 9 673 2 585 3 18 444 1 435 1 404 1 10 1,061 3 HUS56USTIMSMINS 41 29 16216527 62 1.4% 63 81 3.3% 39 51 2.3% 41 2.3% 19 28 1.6% 41 2.8% 34 42 3.9% 60 6.0% 7 1.0% 10 1.5% 35 6.0% 11 2.5% 1 2 0.5% 2 4 1.0% 2 7 12 1.1% Total 17,474 2,175 757 27 20,433 56 78 353 487 2.4% 1 The Non-property SME and corporate portfolio is analysed by NACE code. The NACE code classification system is a pan-European classification system that groups organisations according to their business activities. Bank of Ireland 2 Exposures to NACE codes totaling less than €400 million are grouped together as 'Other sectors'. The NACE codes reported in the table above can therefore differ period on period. 47

View entire presentation