H1 2020 Credit Presentation

46 46 Portfolio by stage Composition (Jun 20) Bank of Ireland H1 2020 Credit Presentation Gross carrying amount Impairment loss allowance ILA % (before impairment loss allowance) Sectoral analysis by stage Stage 1 Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI 2 Total of gross loans Residential Mortgages - Republic of Ireland €m 40,435 1,680 20,106 1,209 1,565 €m €m €m €m €m €m €m €m €m 2,199 3 44,317 105 41 435 581 1.3% 3 22,883 50 22 376 448 2.0% - UK 20,329 471 634 21,434 55 19 59 133 0.6% Non-property SME and corporate 13,686 5,899 1,047 27 20,659 154 220 437 7 818 4.0% - Republic of Ireland SME 5,344 1,128 636 7,108 108 68 251 427 6.0% - UK SME 1,074 497 106 1 1,678 6 22 37 65 3.9% - Corporate - Investment - Development 7,268 4,274 305 26 11,873 40 130 149 326 2.7% Property and construction 3,684 3,426 1,027 60 8,197 12 82 345 16 455 5.6% 3,470 2,834 993 60 7,357 214 592 34 840 Consumer 4,905 265 128 5,298 - Motor Lending UK 1,954 83 22 2,059 - Loans UK 1,216 41 36 1,293 - Motor Lending ROI 767 21 788 - Loans ROI 600 107 33 740 - Credit Cards ROI 368 34 16 418 Total 62,710 11,270 4,401 90 78,471 1-5266272 11 58 330 16 415 5.6% 24 15 40 4.8% 42 75 268 5.1% 13 8 10 31 1.5% 17 30 153 11.8% 8 14 1.8% 19 10 18 47 6.4% 7 9 23 5.5% 385 1,292 23 2,122 2.7% Composition (Dec 19) Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Sectoral analysis by stage Stage 1 Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI Total of gross loans €m €m €m €m €m €m €m €m €m €m Residential Mortgages 42,898 1,677 1,693 3 46,271 16 36 380 432 0.9% - Republic of Ireland 20,610 1,133 1,289 3 23,035 7 22 340 369 1.6% - UK 22,288 544 404 - 23,236 9 14 40 63 0.3% Non-property SME and corporate 17,474 2,175 757 27 20,433 56 78 353 487 2.4% - Republic of Ireland SME 5,799 1,011 495 7,305 33 39 225 297 4.1% - UK SME 1,382 225 78 2 1,687 3 8 38 49 2.9% - Corporate Property and construction - Investment - Development Consumer 10,293 939 184 25 11,441 20 31 90 141 1.2% 5,985 1,513 549 65 8,112 6 42 5,418 1,251 519 65 7,253 5 40 567 262 30 859 1 5,421 206 100 5,727 64 - Motor Lending UK 2,147 58 21 2,226 6 - Loans UK 1,232 40 24 1,296 42 - Motor Lending ROI 821 14 835 3 - Loans ROI 681 74 30 785 9 - Credit Cards ROI 540 34 11 585 4 Total 71,778 5,571 3,099 95 80,543 142 22223-1668 180 230 2.8% 162 209 2.9% 18 21 2.4% 63 159 2.8% 10 19 0.9% 17 21 80 6.2% 6 9 1.1% 19 34 4.3% 7 17 2.9% 976 2 1,308 1.6% Bank of Ireland

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