Investor Presentaiton

ROI Mortgages Arrears performance 4 times better than Industry Average Industry Average >90 days arrears¹ Industry Average 18.0% 7.9% Bank of Ireland 2.2% Owner Occupier Owner Occupier Bank of Ireland 5.0% Buy to let Buy to let >90 days arrears . 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 (25% of industry average) and Buy to Let (19% of industry average) >720 days arrears¹ Industry Average Industry Average 13.4% 4.9% Bank of Ireland Bank of Ireland 2.6% 1.2% Owner Occupier Owner Occupier Buy to let Buy to let Bank of Ireland Group 'As at March 2018, based on number of accounts, industry average excluding BOI 35

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