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Investor Presentaiton

Strong businesses with competitive strengths in attractive markets Attractive markets Significant opportunities for growth Strong businesses Unique customer franchises Significant growth expected in Irish house building, • home buying and SME lending Growing Irish population with increasing need for wealth management and retirement planning solutions Attractive under-served segments of the UK market Bank of Ireland Group NEW IRELAND POST Bank of Ireland ASSURANCE OFFICE Money Bank of Ireland AA Corporate Banking • Ireland's leading retail and commercial bank with #1 or #2 market share in all principal product lines • Extensive distribution network; Ireland's only bancassurer • • A diverse portfolio of profitable businesses in UK and internationally Strong track record of credit risk management with commercial pricing and risk discipline 3
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