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Investor Presentaiton

ROI Mortgages Arrears performance 3 to 4 times better than Industry Average Industry Average >90 days arrears¹ 8.2% Bank of Ireland 2.4% Owner Occupier Owner Occupier Industry Average 17.8% Bank of Ireland 5.7% Buy to let Buy to let >90 days arrears . Bank of Ireland is significantly below the industry average for both Owner Occupier (29% of industry average) and Buy to Let (32% of industry average) >720 days arrears • Bank of Ireland is significantly below the industry average for both Owner Occupier (27% of industry average) and Buy to Let (23% of industry average) >720 days arrears¹ Industry Average Industry Average 13.1% 5.2% Bank of Ireland Bank of Ireland 1.4% Owner Occupier Owner Occupier Buy to let 3.0% Buy to let Bank of Ireland Group 'As at September 2017, based on number of accounts, industry average excluding BOI 42
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