2018 Credit Presentation

BOI Overview: UK / International 2018 Credit Presentation Attractive UK and International businesses provide diversification and further opportunities for growth Corporate UK / International Retail UK Partnerships Northern Ireland Niche Businesses Corporate Banking UK Acquisition Finance • Over 40 years in Great Britain • 11.5k branches through Post Office partnership ⚫ #1 travel money business in the UK (FRES) • Access to 3.3m AA members • Full service retail and commercial bank A distribution network of 28 branches, including six business centres Over 190 years since first branch opened Motor asset finance and motor lease finance business Proven track record of strong growth and disciplined risk appetite • Leasing company of the year 2018 (up to 20,000 vehicles) ⚫ £1.8bn loan book with >175k customers • Sector focused business in UK with 5 specialist industry sectors, industrials & manufacturing, technology, consumer ⚫ & hospitality, media and business services • • >70 Customers • Scalable platform with highly disciplined approach and growth Mid market US / European Acquisition Finance business; strong 20 year+ record Well recognised lead arranger 5 international offices • >200 customers, c.85% business from repeat sponsors Bank of Ireland 32 32

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