Investor Presentaiton

Non-property SME and corporate & property and construction Gross loans by stage Non-property SME and corporate Property and construction Bank of Ireland 2021 Interim Results - Debt Investor Presentation €19.9bn €1.0bn €20.3bn €1.1bn €8.9bn €7.8bn €8.6bn €8.2bn €1.1bn €1.1bn €4.9bn €5.0bn €11.4bn €10.6bn Dec 20 Jun 21 ■Stage 1 Stage 2 Stage 3 €2.6bn Dec 20 ILA movement Non-property SME and corporate €2.8bn Jun 21 Stage 1 Stage 2 Stage 3 Property and construction 4.7% 4.2% 6.9% (€31m) (€42m) €931m €858m €596m (€25m) (€12m) 6.2% • • Non-property SME and corporate 26% of Group loan book, well diversified by geography and sector €0.4bn decrease in stage 2 loans since Dec 2020 reflecting improved macro-economic conditions and improved outlook on corporate lending exposures, offset by staging adjustment for SME loans following re- assessment of management adjustment assumptions Increased impairment coverage across higher impacted sectors and portfolios: Wholesale and retail trade exposure €2.4bn, impairment coverage 3.6% (Dec 20: 5.4%) Accommodation and food services exposure €1.8bn, impairment coverage 5.8% (Dec 2020: 5.3%) Acquisition finance exposure €4.7bn, impairment coverage 3.2% (Dec 2020: 4.2%) Impairment coverage decreased from 4.7% to 4.2% at Jun 2021 Property and construction • • 11% of Group loan book; €7.9bn investment property; €1.1bn development lending Investment property exposures Retail (33%), Office (34%), Residential (18%) and Other (15%); 72% of the book LTV <70% Impairment coverage decreased from 6.9% to 6.2% at Jun 2021 Bank of Ireland €559m . Dec 20 Stage 1/2 Stage 3 Jun 21 Dec 20 Stage 1/2 Stage 3 Jun 21 ILA % of gross loans 51

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