2022 Interim Results - Debt Investor Presentation

48 48 Portfolio by stage Composition (Jun-22) Bank of Ireland 2022 Interim Results - Debt Investor Presentation Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Sectoral analysis by stage Residential Mortgages - Ireland - UK Stage 1 €m Stage 2 €m Stage 3 POCI Total €m €m €m 37,278 1,832 1,606 4 40,720 20,141 1,304 884 4 22,333 17,137 528 722 18,387 - UK SME - Corporate - Investment Non-property SME and corporate - Ireland SME Property and construction 15,612 4,475 1,530 16 21,633 4,721 1,819 684 7,224 1,298 293 128 1,719 9,593 2,363 718 16 12,690 4,166 3,710 768 62 8,706 3,525 3,285 740 62 7,612 - Development Consumer 641 425 28 1,094 5,129 233 133 5,495 - Motor Lending UK 1,844 48 25 1,917 - Loans UK 1,370 46 40 1,456 - Motor Lending Ireland 771 - 24 795 - Loans Ireland 684 123 31 838 - Credit Cards Ireland - Other (fair value adjustment) Total 460 16 13 489 LORETORI%2634-26002 Stage 1 €m Stage 2 Stage 3 of gross POCI Total loans €m €m €m €m 54 433 1 511 1.3% 13 43 351 1 408 1.8% 10 11 82 103 0.6% 205 500 3 768 3.6% 38 102 269 409 5.7% 13 26 43 2.5% 18 90 205 3 316 2.5% 9 58 352 25 444 5.1% 47 345 25 423 5.6% 11 7 21 1.9% 45 37 73 155 2.8% 7 4 11 22 1.1% 21 30 73 5.0% 8 14 1.8% 8 10 15 33 3.9% 2 9 13 2.7% (400) (400) -0.0% 61,785 10,250 4,037 82 76,154 137 354 1,358 29 1,878 2.5% Composition (Dec-21) Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Sectoral analysis by stage Stage 1 Residential Mortgages - Ireland - UK Non-property SME and corporate €m 38,708 2,779 1,773 19,573 1,776 1,047 19,135 1,003 726 14,430 5,100 1,305 Stage 2 €m Stage 3 €m POCI Total Stage 1 Stage 2 Stage 3 POCI Total of gross loans €m €m €m €m €m €m €m 2 43,262 28 60 416 504 1.2% 2 22,398 17 47 362 426 1.9% - 20,864 11 13 54 78 0.4% 15 20,850 67 247 439 2 755 3.6% - Ireland SME 4,258 2,076 680 7,014 39 136 258 433 6.2% - UK SME 1,161 450 137 1,748 4 16 30 50 3.0% - Corporate - Investment 9,011 2,574 488 15 12,088 Property and construction 3,280 4,299 970 64 8,613 2,596 3,953 939 64 7,552 - Development 684 346 31 1,061 Consumer 4,863 229 137 5,229 - Motor Lending UK 1,731 46 26 1,803 - Loans UK 1,297 48 43 1,388 - Motor Lending Ireland 720 27 747 -Loans Ireland 653 122 30 805 - Credit Cards Ireland 462 13 11 486 2064572022 95 151 2 272 2.3% 10 78 416 23 527 6.1% 71 408 23 508 6.7% 7 8 19 1.8% 31 76 172 3.3% 3 11 21 1.2% 39 19 33 91 6.6% 8 9 17 2.3% 9 7 16 32 4.0% 2 7 11 2.3% Other (fair value adjustment) (76) (76) 0.0% Total 61,205 12,407 4,185 81 77,878 170 416 1,347 25 1,958 2.5% Bank of Ireland

View entire presentation