Bank of Ireland 2020 Debt Investor Presentation

Residential Mortgages & Consumer Loans Gross loans by stage Residential Mortgages Consumer Bank of Ireland 2020 Debt Investor Presentation Residential mortgages • €46.3bn €44.7bn €1.7bn €2.2bn €5.7bn €1.7bn €5.3bn €2.5bn €0.1bn €0.1bn • €0.2bn €0.2bn €42.9bn €40.0bn €5.4bn • €5.0bn Dec 19 Dec 20 ■Stage 1 Stage 2 Stage 3 Dec 19 Dec 20 ■Stage 1 Stage 2 Stage 3 • Mortgage portfolios 57% of Group loan book - Average LTV of 60% on stock 83% of the portfolio has LTV <80% Implementation of new Definition of Default regulatory framework driving increase in Stage 3 loans €47m impairment loss allowance increase largely on performing loans including management adjustment Impairment coverage increased from 0.9% at Dec 2019 to 1.1% at Dec 2020 ILA movement Consumer Residential Mortgages 0.9% €432m €53m (€6m) 1.1% 2.8% €479m €159m €60m €17m 4.5% €236m Dec 19 Stage 1/2 Stage 3 Dec 20 Dec 19 Stage 1/2 Stage 3 ILA % of gross loans Dec 20 Consumer • 7% of Group loan book; exit of UK Credit Cards in 2019 €2.0bn Ireland exposure; €0.8bn motor, €0.8bn consumer loans, €0.5bn credit cards - €3.3bn UK exposure; €1.9bn motor, €1.4bn consumer loans €77m impairment loss allowance increase largely on performing loans including management adjustment Impairment coverage increased from 2.8% to 4.5% at Dec 2020 Bank of Ireland 50

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