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Investor Presentaiton

BOI Overview Profile of customer loans (gross)1 ROI UK ROW Total Total Composition (Jun 2018) (€bn) (€bn) (€bn) (€bn) (%) Mortgages 23.7 22.3 0.0 46.0 59% Non-property SME and corporate 10.7 4.42 4.0 19.1 24% SME 7.8 1.6 0.0 9.4 12% Corporate 2.9 2.8 4.0 9.7 12% Property and construction 5.6 2.4 0.4 8.4 11% Investment property 5.1 2.2 0.4 7.7 10% Land and development 0.5 0.2 0.0 0.7 1% Consumer 21 2.1 2.8 0.0 4.9 6% Customer loans (gross) 42.1 31.9 4.4 78.4 100% Geographic (%) 54% 41% 5% 100% Bank of Ireland Group Based on geographic location of customer 2Includes £0.5bn relating to GB business and corporate loan books, which BOI was required to run down under its EU approved Restructuring Plan (H1 2017: £0.7bn; H2 2017: £0.6bn) 31
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