2020 Results Announcement

46 46 Ireland Mortgages Continued proactive arrears management Industry Average >90 days arrears¹ Industry Average 16.0% Bank of Ireland 6.4% 1.9% Owner Occupier Owner Occupier Bank of Ireland 4.1% Buy to let Buy to let >90 days arrears • Bank of Ireland 2020 Results Announcement Bank of Ireland is significantly below the industry average for both Owner Occupier (30% of industry average) and Buy to Let (26% of industry average) >720 days arrears • Bank of Ireland is significantly below the industry average for both Owner Occupier (24% of industry average) and Buy to Let (18% of industry average) >720 days arrears¹ Industry Average Industry Average 12.0% Bank of Ireland Bank of Ireland 4.2% 1.0% 2.2% Owner Occupier Owner Occupier Buy to let Buy to let 1 As at September 2020, based on number of accounts, industry average excluding BOI Bank of Ireland

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