Investor Presentaiton

Covid impact on households and firms varies Mortgage arrears continue to decline while sectorally exposed firms remain vulnerable Mortgage arrears (90+ days) have steadily declined with no 20% 15% 10% 5% noticeable Covid impact € bn Forbearance and NPL ratios of Irish SME retail bank exposures by payment break history 14 12 10 35 30 25 8 20 9 15 4 10 5 2 0% 0 13 14 15 16 17 18 19 20 21 All exposures No PB Expired PB PDH + BTL (by balance) PDH + BTL (by number) Exposure Forborne ratio (RHS) NPL ratio (RHS) Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency Source: CBI; RHS underlying data from CBI Financial Stability Review 2021 II % 80 80

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