2018 Credit Presentation

UK Mortgages: £19.4bn/€21.7bn £20.4bn UK Mortgages (gross) £20.0bn £20.4bn £19.4bn £2.2bn 2018 Credit Presentation UK Mortgages (gross) £20.0bn £2.0bn £19.4bn £1.7bn £8.5bn £9.6bn £10.4bn £7.4bn £7.5bn £7.5bn £4.0bn £3.3bn £2.7bn £10.8bn £10.6bn £10.2bn £7.9bn Dec 16 £7.1bn Dec 17 £6.3bn Dec 18 Tracker Variable Rates Fixed Rates UK Mortgages new lending volumes Dec 16 Dec 17 Standard Buy to let Self certified Dec 18 LTV profile • Average LTV of 62% on existing stock at Dec 2018 (Dec 17: 62%, Dec 16: 62%) • £3.2bn £3.3bn £2.8bn Average LTV of 72% on new UK mortgages in 2018 (2017: 72%, 2016: 71%) 2016 2017 2018 Bank of Ireland 38

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