Investor Presentaiton

Residential mortgages & consumer loans Gross loans by stage Residential Mortgages . Bank of Ireland 2021 Interim Results - Debt Investor Presentation Residential mortgages Mortgage portfolios 56% of Group loan book Consumer €44.7bn €44.5bn €5.3bn €5.2bn €2.2bn €1.9bn €0.1bn €0.1bn €2.5bn €4.8bn €0.2bn €0.2bn €40.0bn €37.8bn Dec 20 Jun 21 ■Stage 1 Stage 2 Stage 3 €5.0bn €4.9bn Dec 20 Jun 21 ■Stage 1 Stage 2 Stage 3 ILA movement Consumer Residential Mortgages 1.1% €479m €4m €39m 1.2% 4.5% €522m €236m (€40m) (€4m) 3.7% €192m Dec 20 Stage 1/2 Stage 3 Jun 21 Dec 20 Stage 1/2 Stage 3 ●ILA % of gross loans Jun 21 . • • - Average LTV of 58% on stock 88% of the portfolio has LTV <80% Stage 2 loans increased from €2.5bn at Dec 2020 to €4.8bn at Jun 2021 due to a staging adjustment following the re-assessment of management adjustment assumptions Stage 3 loans reduced by €0.3bn reflecting the NPE mortgage transaction, with stage 3 cover increasing to 20% at Jun 2021 (17% at Dec 2020) reflecting changes to LGD model. €43m increase in impairment loss allowance reflects impact of changes to the LGD model components, offset by improved FLI update Impairment coverage increased from 1.1% at Dec 2020 to 1.2% at Jun 2021 Consumer • 7% of Group loan book - €2.0bn Ireland exposure; €0.8bn motor, €0.8bn consumer loans, €0.4bn credit cards €3.2bn UK exposure; €1.8bn motor, €1.4bn consumer loans €44m decrease in impairment loss allowance related to FLI model updates Impairment coverage decreased from 4.5% at Dec 2020 to 3.7% at Jun 2021 Bank of Ireland 50

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