Q1 2020 IMS Presentation

Diversified balance sheet with improved credit quality Group loan book - €80.8bn UK mortgages €22.4bn 28% 7% 10% ■Consumer €5.6bn Property and construction €8.3bn Bank of Ireland Q1 2020 IMS Presentation Diversified balance sheet with improved credit quality 27% . 28% Non-property SME and corporate €21.5bn ■ROI mortgages €23.0bn Group loan book by stage ■Stage 3 Stage 2 €5.8bn €3.0bn POCI €0.1bn 4% 7% Mortgage portfolios 56% of Group loan book Average LTV of 59% on ROI mortgage stock Average LTV of 63% on UK mortgage stock >80% of the Group loan book is secured Non-property SME and Corporate portfolio well diversified by geography and sector Property and Construction; 90% comprising Investment Property Consumer loans 7% of Group loan book; exit of UK Credit Cards in 2019 Stage 3 loans 4% of Group loan book Impairment coverage 33%¹ on Stage 3 loans Impairment loss allowance of €1.6bn including Q1 COVID-19 management overlay of €250m See appendix for detailed breakdown of staging 89% ■Stage 1 €71.9bn 1 Figures do not reflect COVID-19 management overlay of €250m Bank of Ireland 14

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