Bank of Ireland 2021 Interim Results - Debt Investor Presentation

48 48 Portfolio by stage Composition (Jun 21) Sectoral analysis by stage Residential Mortgages - Republic of Ireland - UK Non-property SME and corporate Republic of Ireland SME - UK SME - Corporate Property and construction - Investment - Development Bank of Ireland 2021 Interim Results - Debt Investor 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 of gross POCI Total loans €m €m €m €m €m €m €m €m €m €m 37,734 4,819 1,920 18,003 3,187 19,731 1,159 1,632 761 - 11,383 7,786 1,156 13 223 44,475 27 117 378 522 1.2% 22,351 11 87 318 416 1.9% 22,124 16 30 60 106 0.5% 20,338 70 401 387 858 4.2% 3,449 2,862 666 6,977 34 216 238 488 7.0% 1,072 642 113 1,827 6 38 32 76 4.2% 6,862 4,282 377 13 11,535 30 147 117 294 2.5% 2,814 5,019 1,051 63 8,947 4 106 430 19 559 6.2% 2,221 4,565 1,015 63 7,864 3 96 413 19 531 6.8% 593 454 36 1,083 1 10 17 28 2.6% Consumer 4,937 155 135 5,225 90 26 76 192 3.7% - Motor Lending UK 1,750 47 30 1,827 8 3 13 24 1.3% - Loans UK 1,314 47 42 1,403 61 18 32 111 7.9% 783 19 802 7 7 14 1.7% - Motor Lending Ireland - Loans Ireland 688 54 30 771 12 4 17 33 4.3% - Credit Cards Ireland 402 7 14 422 2 1 7 10 2.4% Total 56,868 17,779 4,262 78 78,987 191 650 1,271 19 2,131 2.7% Composition (Dec 20) Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Sectoral analysis by stage Stage 1 Residential Mortgages - Republic of Ireland - UK 20,464 Stage 2 €m €m 40,016 2,528 19,552 1,880 1,508 648 688 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI Total of gross loans €m €m €m €m €m €m €m €m 2,196 2 44,742 74 31 374 479 1.1% 2 22,942 44 20 329 393 1.7% 21,800 30 11 45 86 0.4% Non-property SME and corporate 10,637 8,181 1,014 19,858 134 368 416 13 931 4.7% - Republic of Ireland SME 4,155 2,246 672 7,073 96 144 261 - 501 7.1% -Loans Ireland - UK SME - Corporate Property and construction - Investment - Development Consumer - Motor Lending UK - Loans UK - Motor Lending Ireland - Credit Cards Ireland 1,064 612 114 1,790 9 37 26 72 4.0% 5,418 5,323 228 26 10,995 29 187 129 13 358 3.3% 2,639 4,869 1,021 62 8,591 9 126 442 19 596 6.9% 2,357 4,227 987 62 7,633 7 103 427 19 556 7.3% 282 642 34 958 2 23 15 40 4.2% 4,961 165 145 5,271 129 27 80 236 4.5% 1,798 71 31 1,900 10 5 13 28 1.5% 1,295 43 42 1,380 90 17 32 139 10.1% 751 - 22 773 8 - 8 16 2.1% 678 42 33 753 18 4 17 39 5.2% 439 9 17 465 3 1 10 14 3.0% Total 58,253 15,743 4,376 90 78,462 346 552 1,312 32 2,242 2.9% Bank of Ireland

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