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Investor Presentaiton

BOI Overview Summary Balance Sheet Dec 14 Dec 15 (€bn) (€bn) Dec 16 (€bn) Customer loans1 82 85 78 Dec 17 (€bn) 76 Jun 18 (€bn) Liquid assets 25 24 21 24 Wealth and Insurance assets 16 16 17 17 Other assets 7 6 7 6 Total assets 130 131 123 123 Customer deposits 75 80 Wholesale funding 20 14 Private Sources Monetary Authority/TLTRO 16 4 Wealth and Insurance liabilities 16 Other liabilities 8 112160 75 76 14 13 13 11 37 17 17 6 Subordinated liabilities and AT1 2 3 2 3 172527114753 2258575 Shareholders' equity 9 8 9 9 9 Total liabilities & Shareholders' equity 130 131 123 123 122 Fully loaded CET1 ratio 9.3% 11.3% 12.3% 13.8% 14.1% Liquidity coverage ratio 103% 108% 113% 136% 139% Net stable funding ratio Loan to deposit ratio TNAV per share 114% 120% 122% 127% 127% 110% 106% 104% 100% 100% €6.49 €7.24 €7.40 €7.52 €7.71 Bank of Ireland Group "Loans and advances to customers is stated after impairment loss allowance 23
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