Investor Presentaiton

Asset Quality Profile of customer loans' at Jun 15 (gross) Bank of Ireland Group ROI UK ROW Total Total (€bn) (€bn) (€bn) (€bn) (%) 25.3 28.1 53.4 58% Mortgages Non-property SME and corporate 12.1 4.92 3.7 20.7 22% SME 9.5 2.6 12.1 13% Corporate 2.6 2.3 3.7 8.6 9% Property and construction Investment property Land and development 8སྤུ༔ 8.5 6.4 0.2 15.1 16% 6.8 5.5 0.2 12.5 14% 1.7 0.9 2.6 2% Consumer 1.5 1.7 3.2 4% Customer loans (gross) 47.4 41.1 3.9 92.4 100% Geographic (%) 51% 45% 4% 100% *Based on geographic location of customer. Includes €2.2bn relating to GB business and corporate loan books, which BOI is required to run down under its EU approved Restructuring Plan. 29

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