Investor Presentaiton

ROI Mortgages: €25.3bn 42% Owner Occupied 40% 41% €2.1bn €1.7bn €1.5bn Dec 13 Dec 14 Jun 15 Defaulted Loans Coverage ratio Buy to Let 57% 53% 55% Bank of Ireland Group Owner Occupied: €20.0bn Reduced defaulted loans by 12% to €1.5bn in 2015 Arrears at <50% of industry1 BOI arrears >720 days reducing and at 39% of industry² 50% or €9.9bn of mortgages are ECB trackers (Dec 14: €10.2bn) Buy to Let: €5.3bn Reduced defaulted loans by 13% to €1.3bn in 2015 Arrears at <60% of industry³ BOI arrears >720 days reducing and at 43% of industry4 72% or €3.8bn of mortgages are ECB trackers (Dec 14: €4.2bn) €1.7bn €1.5bn €1.3bn Impairment credit Dec 13 Dec 14 Jun 15 Defaulted Loans Coverage ratio Impairment credit of €32m reflects improved portfolio performance At June 2015, BOI owner occupier arrears level (based on number of accounts >90 days in arrears) was 4.77% compared to 10.56% for industry excl BOI 2 At June 2015, BOI owner occupier arrears (based on number of accounts >720 days in arrears) was 2.27% compared to 5.80% for the industry excl BOI 3 At June 2015, BOI buy to let arrears level (based on number of accounts >90 days in arrears) was 12.10% compared to 21.06% for industry excl BOI 4 At June 2015, BOI buy to let arrears (based on number of accounts >720 days in arrears) was 5.51% compared to 12.82% for the industry excl BOI 9

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