Investor Presentaiton

Defaulted loans by portfolio Defaulted loans reducing across all portfolios ROI Mortgages 51% 46% 48% 22% €3.7bn €3.2bn €2.8bn Bank of Ireland Group UK Mortgages 23% 24% €0.6bn €0.5bn €0.5bn Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Defaulted Loans Coverage Ratio Defaulted Loans Coverage Ratio 48% Non property SME and Corporate 51% 52% 51% Property and Construction 56% 57% €3.8bn €8.4bn €3.3bn €7.1bn €3.1bn €6.8bn Jun 14 Dec 14 Jun 15 Jun 14 Dec 14 Jun 15 Defaulted Loans Coverage Ratio Defaulted Loans Coverage Ratio 10

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