Investor Presentaiton

Non-performing loans by portfolio Reducing across all asset classes ROI Mortgages Bank of Ireland Group UK Mortgages €3.5bn €3.0bn €0.7bn €2.6bn €0.7bn €0.6bn €1.2bn €1.2bn €2.8bn €0.9bn €2.3bn €2.0bn €0.7bn €0.7bn €0.6bn €0.5bn €0.5bn €0.3bn Jun 15 Dec 15 Jun 16 Jun 15 Dec 15 Jun 16 Defaulted Loans Probationary Mortgages Non property SME and Corporate €3.1bn €2.7bn €2.4bn Jun 15 Dec 15 Jun 16 Non-performing Loans. Defaulted Loans Probationary Mortgages Property and Construction €6.8bn €4.9bn €3.9bn Jun 15 Dec 15 Non-performing Loans Jun 16 Note: Non-performing loans equals defaulted loans plus probationary mortgages 10

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