PitchSend

Investor Presentaiton

ROI Mortgage book profile ROI Owner Occupier - book profile 161k 158k 162k 35k Bank of Ireland Group ROI Buy to Let - book profile 33k 32k 1.8% 1.0% 0.7% 3.5% 2.6% 6.9% 5.5% 7.0% 6.2% 8.4% 7.0% - 10.0% - 21.7% 13.7% 18.8% 12.5% 16.2% 12.5% 0.8% 1.1% 1.2% 1.6% 1.2% 2.3% 90.0% Dec 13 91.6% Dec 14 Number of accounts Up to Date Book Arrears Restructure & Resolution 93.0% 78.3% Jun 15 Dec 13 Early Arrears Late Arrears¹ 81.2% Dec 14 Number of accounts Up to Date Book Arrears Restructure & Resolution 83.8% Jun 15 Early Arrears Late Arrears 93% of mortgage accounts are in the up to date book 95% on a capital and interest repayment basis (Dec 14: 94%) Since December 2013, accounts in arrears have reduced by 29% or 4.7k accounts 9 out of 10 accounts in forbearance are meeting the terms of their arrangement 84% of mortgage accounts are in the up to date book 73% on a capital and interest repayment basis (Dec 14: 70%) Since December 2013, accounts in arrears have reduced by 32% or 2.4k accounts 9 out of 10 accounts in forbearance are meeting the terms of their arrangement 'Late arrears is defined as any account greater than 90 days past due, or impaired and excludes arrears restructure and resolution. 31

View entire presentation