Investor Presentaiton

Year End Financial Highlights Proforma March 2006 March 2005 Change Profit Before Tax €1599m €1220m T 31% Underlying Profit Before Tax €1393m €1206m 16% Earnings Per Share 136.4c 103.9c ↑ 31% Underlying Earnings Per Share 118.5c 102.3c 16% Impairment Losses 11bps 11bps Balance Sheet €162.3bn €128.0bn 27% Return on Equity 24% 23% 1 Cost Income Ratio 57.1% 59.9% 2.8 Note: Underlying excludes the impact of non-core items: gains on disposal of business activities; gross-up of policyholder tax in the Life business; charge for hedge ineffectiveness on transition to IFRS; restructuring programmes and impairment loss provision write back. 17 Bank of Ireland Group

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