H1 2020 Credit Presentation

Consumer €5.7bn Gross loans by stage 2.8% €159m €0.1bn €0.2bn €5.4bn Dec 19 ■Stage 1 Stage 2 Stage 3 ILA movement €12m €97m Dec 19 Stage 1/2 ILA % of gross loans • €5.3bn €0.1bp €0.3bn €4.9bn Jun 20 5.1% €268m Bank of Ireland H1 2020 Credit Presentation Consumer • • • • 7% of Group loan book; exit of UK Credit Cards in 2019 €2.0bn Ireland consumer exposure; €0.8bn motor, €0.8bn consumer loans. €0.4bn credit cards €3.3bn UK consumer exposure; €2.1bn motor, €1.2bn consumer loans €109m impairment loss allowance increase largely on performing loans including management adjustment relating to payment breaks Impairment coverage increased from 2.8% to 5.1% at June 2020 Stage 3 Jun 20 Bank of Ireland 22 272

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