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Grow Sustainable Profits H1 2018 Progress Improved profitability Efficient business امر 2021 Target Headline ROTE of 9.6% Adjusted ROTE of 6.8%¹ ROTE in excess of 10% Costs reduction of 3% vs. H2 2017 Cost base of c.€1.7bn Costs reduce every year: 2018-2021 Cost income ratio of c.50% Robust capital position Fully loaded CET1 ratio of 14.1% CET1 ratio in excess of 13% Sustainable dividends Deduction for potential full year dividend; equivalent to an annualised dividend of 14c per share Increase prudently and progressively from 11.5c per share; over time will build towards a payout ratio of around 50% of sustainable earnings Bank of Ireland Group 1See Slide 43 for calculation 7

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