Investor Presentaiton

• • 1. Transform the Bank 0% Culture Embedding our Values Customer focussed; One Group One Team; Agile; Accountable Reinforcing the positive behaviours that enable a work environment where colleagues feel closer to our customers Positively impacting the communities we serve • Systems Investing in Technology Replacing Core Banking Platforms to drive increased efficiency and revenue growth Delivering a digital bank to meet evolving customer preferences and expectations Making step changes in customer experience and organisation efficiency • • • Business Model Simplifying our Organisation Branches transforming into Business Development Hubs driving local commerce A streamlined organisation that is closer to our customers and empowers our colleagues Diversifying existing sources of income and developing new revenue streams • Enabling brilliant customer experiences Bank of Ireland Group 11

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