Q1 2020 IMS Presentation

Further detail on SME, Corporate and Property Non-property SME and Corporate UK SME €1.6bn 7% Corporate €12.6bn 59% Land and development €0.8bn Bank of Ireland Q1 2020 IMS Presentation Higher impacted sectors - 5% Group loan book Subset of €21.5bn: Wholesale/Retail €2.6bn 34% Hospitality €1.8bn • Acquisition Finance €4.9bn €21.5bn • ROI SME €7.3bn Wholesale / Retail and Hospitality €4.4bn / 5% of Group loan book Predominantly secured portfolios Government measures will provide additional support to these sectors Very low exposure to other impacted sectors with Aviation €0.2bn and no material exposure to Oil and Gas industry Acquisition Finance - 6% of Group loan book • Mid-market European and US Acquisition Finance business; over 20 years track record in this market c.55% Europe / c.45% USA Longstanding and embedded sponsor relationships • Property and Construction • Almost exclusively senior debt; >80% covenanted • €8.3bn Investment property €7.5bn • Disciplined risk appetite with 4 out of 5 loans declined; excellent loan loss history Well diversified portfolio, average exposure c.€20m Property and Construction - 10% of Group loan book >40% Investment property exposures in Dublin Investment Property exposures largely Retail (38%), Office (34%), Residential (15%) and Mixed / Other (13%); 75% of the book LTV <70% . Development lending portfolio comprises exposures to active development sites Bank of Ireland 15

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