Investor Presentaiton

UK Mortgages: £19.8bn/€22.3bn £20.4bn UK Mortgages (gross) £20.0bn £20.4bn £19.8bn £2.2bn UK Mortgages (gross) £20.0bn £2.0bn £19.8bn £1.9bn £8.5bn £9.6bn £10.0bn £7.4bn £7.5bn £7.7bn £4.0bn £3.3bn £3.0bn £10.8bn £10.6bn £10.2bn £7.9bn £7.1bn £6.7bn Dec 16 Dec 17 Jun 18 Tracker Variable Rates Fixed Rates UK Mortgages New Lending volumes £3.2bn £2.8bn £1.6bn FY 2016 FY 2017 Hồ 2018 Bank of Ireland Group Dec 16 Dec 17 Standard Buy to let Self certified Jun 18 LTV profile • Average LTV of 61% on existing stock at June 2018 (Dec 17: 62%, Dec 16: 62%) • Average LTV of 69% on new UK mortgages in H1 2018 (2017: 72%, 2016: 71%) 33

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