Investor Presentaiton

Asset Quality Impairment Losses on Loans Asset Quality H1 Sept 05 H1 Sept 04 €m €m €m 800 693 710 682 700 Impairment Losses 62 29 68 88 600 500 433 NDSP/General I (28) 400 343 319 300 Recoveries (12) (12) 200 100 Total €m 50 28 0 Sept 05 Charge on Average 11bps 8bps* Loans Impairment Provisions * After release from general loan loss provisions of €100m March 05* Sept 04 Impaired Loans * Includes 8bps benefit from NDSP release Excellent asset quality Benign economic environment Well structured & seasoned loan book Superior underwriting skills and good arrears management 14 Bank of Ireland KKO

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