2018 Credit Presentation

ROI Mortgages Continued proactive arrears management >90 days arrears¹ Industry Average Industry Average 17.4% 7.4% Bank of Ireland 2.1% Owner Occupier Owner Occupier Bank of Ireland 4.9% Buy to let Buy to let >720 days arrears¹ Industry Average Bank of Ireland Industry Average 13.0% 4.6% Bank of Ireland 1.1% Owner Occupier Owner Occupier Buy to let Buy to let 2.6% >90 days arrears . 2018 Credit Presentation Bank of Ireland is significantly below the industry average for both Owner Occupier (28% of industry average) and Buy to Let (28% of industry average) >720 days arrears • Bank of Ireland is significantly below the industry average for both Owner Occupier (24% of industry average) and Buy to Let (20% of industry average) NPE resolution strategies • Continued progress on reduction in ROI mortgage NPES, c.€0.4bn reduction in 2018 • Portfolio of Buy to Let mortgage NPEs prioritised for alternative resolution strategies e.g. potential securitisation and/or sale - Loans of c.€0.6bn - €0.8bn; Net Interest Income of c.€10m - €14m CET1 Capital Intensity of c.30bps - 50bps 1 As at September 2018, based on number of accounts, industry average excluding BOI Bank of Ireland 15

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