Investor Presentaiton

Asset Quality Profile of customer loans' at Jun 16 (gross) Bank of Ireland Group Composition (Jun 16) Mortgages ROI UK ROW Total Total (€bn) (€bn) (€bn) (€bn) (%) 24.6 24.8 49.4 58% Non-property SME and corporate 11.8 4.12 4.4 20.3 24% SME 9.2 2.0 0.0 11.2 13% Corporate 2.6 2.1 4.4 9.1 11% Property and construction Investment property Land and development 7.6 4.1 0.1 11.8 14% 6.5 3.7 0.1 10.3 12% 1.1 0.4 0.0 1.5 2% Consumer 1.7 1.9 3.6 4% Customer loans (gross) 45.7 34.9 4.5 85.1 100% Geographic (%) 54% 41% 5% 100% *Based on geographic location of customer Includes £1.0bn relating to GB business and corporate loan books, which BOI is required to run down under its EU approved Restructuring Plan 33

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