Bank of Ireland 2021 Interim Results - Debt Investor Presentation

49 49 Gross carrying amount (before impairment loss allowance) Stage 1 Stage 2 €m €m Stage 3 €m 2,529 1,414 90 1,365 1,020 107 1,671 660 112 Non-property SME and corporate by stage Composition (Jun 21) Sectoral analysis by stage Non-property SME and corporate - Manufacturing - Wholesale and retail trade - Administrative and support service activities 1,2 Bank of Ireland 2021 Interim Results - Debt Investor Presentation Impairment loss allowance ILA % POCI €m Total €m Stage 1 €m Stage 2 €m Stage 3 POCI Total of gross loans €m €m €m 4,033 13 2,505 9 2,443 9 - Accommodation and food service activities 234 1,315 221 1,770 - Agriculture, forestry and fishing 1,214 352 127 1,693 - Human health services and social work activities 627 799 33 1,459 - Transport and storage 351 486 136 973 - Other services 540 265 111 916 - Professional, scientific and technical activities 404 180 16 600 - Arts, entertainment and recreation 812 150 17 979 - Financial and insurance activities 187 357 81 625 - Real estate activities - Education - Other sectors Total Composition (Dec 20) Sectoral analysis by stage Non-property SME and corporate - Manufacturing Wholesale and retail trade - Administrative and support service activities 81 379 52 512 374 63 2 439 994. 346 51 1,391 ST35272852238 5221342333-125 29 102 2.5% 61 44 114 4.6% 19 54 20 11 29 18 AR1562112 46 88 3.6% 46 102 5.8% 34 66 3.9% 10 68 4.7% 55 77 7.9% 65 7.1% 16 2.7% 14 1.4% 34 64 10.2% 14 41 8.0% 6 1.4% I 35 2.5% 11,383 7,786 1,156 13 20,338 70 401 387 858 4.2% Gross carrying amount (before impairment loss allowance) Impairment loss allowance ILA % Stage 1 €m Stage 2 €m Stage 3 POCI Total €m €m €m Stage 1 €m Stage 2 Stage 3 POCI Total of gross loans €m €m €m €m 2,076 1,742 82 - 3,900 1,388 926 96 26 2,436 1,520 688 141 2,349 236 1,354 131 1,721 - Agriculture, forestry and fishing 1,187 352 132 1,671 - Accommodation and food service activities 727 760 33 1,520 - Human health services and social work activities 436 489 69 994 - Transport and storage 431 370 119 920 - Other services 475 216 - Financial and insurance activities 588 85 - Professional, scientific and technical activities 308 190 - Real estate activities 78 389 - Arts, entertainment and recreation 311 99 - Education 876 521 22-2 15 706 23 696 89 587 62 529 1 411 21 1,418 SEDECOL3742727 19 75 36 25 39 55 wi 130 3.3% 13 132 5.4% 19 31 77 127 5.4% 5 46 40 91 5.3% 16 16 35 67 4.0% 10 55 10 75 4.9% 23 42 69 6.9% 12 1 2250260 15 48 66 7.2% 9 5 21 3.0% 7 16 2.3% 10 35 57 9.7% 17 38 7.2% 1 9 2.2% 18 8 33 2.3% - Other sectors Total 10,637 8,181 1,014 26 19,858 134 368 416 13 931 4.7% The Non-property SME and corporate portfolio is analysed by NACE code. The NACE code classification system is a pan-European classification system that groups organisations according to their business activities Bank of Ireland 2 Exposures to NACE codes totalling less than €400 million are grouped together as 'Other sectors' The NACE codes reported in the table above can therefore differ period on period

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