Investor Presentaiton

Cost income ratio: June 2018 Headline vs. Adjusted Net interest income Other income - Business income. - Additional gains - Other valuation items¹ Total Income Costs - Operating expenses H1 2018 Headline (€m) 1,076 323 Adjustments (€m) . H1 2018 Adjusted (€m) 1,076 323 10 (11) (10) 30 19 11 1,398 20 1,418 882 - Transformation Investment 51 Costs Cost income ratio 933 67% 882 51 933 66% Cost income ratio excludes; Levies and Regulatory charges Non-core items H1 2018 adjusted cost income ratio is adjusted for; Additional Gains and valuation items¹ (€20m) Bank of Ireland Group Excludes IFRS income classifications of €19m which is fully offset in net interest income 45

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