Investor Presentaiton

Ireland mortgages Continued proactive arrears management Industry Average >90 days arrears¹ Industry Average 15.1% Bank of Ireland 6.1% 1.9% Owner Occupier Owner Occupier Bank of Ireland 4.2% Buy to let Buy to let Bank of Ireland 2021 Interim Results - Debt Investor Presentation >90 days arrears Bank of Ireland is significantly below the industry average for both Owner Occupier (31% 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 (25% of industry average) and Buy to Let (21% of industry average) >720 days arrears¹ Industry Average Industry Average 11.6% Bank of Ireland Bank of Ireland 4.0% 1.0% 2.4% Owner Occupier Owner Occupier Buy to let Buy to let 1 As at Mar 2021, based on number of accounts, industry average excluding BOI Bank of Ireland 54

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