2018 Credit Presentation

UK Customer Loans £27.9bn (€31.2bn) UK Mortgages - £19.4bn Scotland, £1.1bn Northern Ireland,. £1.0bn Rest of England,. £8.9bn Wales, £0.7bn Greater London, £3.6bn Outer Metropolitan, £2.2bn South East, £1.9bn Other UK Customer Loans - £8.5bn £0.1bn £0.2bn £0.1bn £2.5bn £1.3bn SME Corporate £0.04bn £2.6bn £1.5bn £0.01bn £0.15bn Land & Development Consumer Investment Property Performing loans Non-performing exposures UK Mortgages Analysis - £19.4bn . Total UK mortgages of £19.4bn; (NPES: 2%) 2018 Credit Presentation Average LTV of 62% on total book (2017: 62%) Average LTV of 72% on new mortgages (2017: 72%) 70% of mortgages originated since January 2010 are standard owner occupier mortgages BTL book is well seasoned with 71% of these mortgages originating prior to January 2010 Average balance of Greater London mortgages is c.£190k, with 93% of Greater London mortgages having an indexed LTV <70% Other UK Customer Loans Analysis - £8.5bn Non-performing exposures of £0.4bn with strong coverage ratios Performing loans of £8.1bn; SME: broad sectoral diversification with low concentration risk Corporate: specialist lending teams in Acquisition Finance, Project Finance, and Corporate lending through a focused sector strategy Investment Property: primarily Retail, Office and Residential sectors Consumer (£2.7bn): Northridge (£1.4bn): Asset backed motor finance business; net loan book increase of £0.3bn in 2018; mid-market pricing targeting prime business only; below industry arrears and loan losses Personal loan volumes (£0.7bn): net loan book increase of £0.3bn in 2018; improved credit risk process has driven increase in customer applications and drawdowns Credit cards (£0.6bn): classified as held for sale as at Dec 2018 Bank of Ireland 46

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