Investor Presentaiton

Strong businesses in attractive markets Retail Ireland Retail UK Corporate and International • . NEW IRELAND Bank of Ireland ASSURANCE Ireland's leading retail and commercial bank; largest lender to the Irish economy; #1 or #2 market positions across all principal product lines Growing market share in residential mortgages; re-entering mortgage broker market Largest market share in business lending; provided over 50% of new lending to the agricultural sector in Ireland • Ireland's only bancassurer; employment growth and demographics supportive of future market growth POST OFFICE Money AA Long standing partnerships with Post Office and strategic intermediaries; recent partnership with AA continues to develop Focussed predominantly on consumer sector Commission based business model provides flexibility to adapt to market developments Northern Ireland - full service retail and commercial bank • Northridge Finance performing well; acquired complementary car leasing and fleet management business, Marshall Leasing • • • Bank of Ireland Corporate Banking Ireland's #1 Corporate Bank Supporting 2 out of every 3 Foreign Direct Investment projects into Ireland New lending of €3.6bn in 2017 Mid market US / European Acquisition Finance business; 10% of Group income, strong 20+ year track record Generates attractive margins and fee income within disciplined risk appetite Bank of Ireland Group 6

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