Bank of Ireland 2019 Credit Presentation

UK Mortgages: £19.8bn / €23.2bn £20.0bn UK Mortgages (gross) £19.4bn £19.8bn £20.0bn £2.0bn Bank of Ireland 2019 Credit Presentation UK Mortgages (gross) £19.4bn £1.7bn £19.8bn £1.6bn £9.6bn £10.4bn £11.9bn £7.5bn £7.5bn £7.4bn £3.3bn £2.7bn £2.3bn £10.6bn £10.2bn £10.8bn £7.1bn £6.3bn £5.6bn Dec 17 Dec 18 Dec 19 Dec 17 Tracker Variable Rates Fixed Rates Dec 18 Standard Buy to let Dec 19 Self certified LTV profile . Average LTV of 63% on stock at Dec 19 (Dec 18: 62%) • Average LTV of 73% on new UK mortgages in 2019 (2018: 72%) 39 39 Bank of Ireland

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