Investor Presentaiton

12 September 2005 Interim Highlights ....and strong volume growth across the Group 40% 35% 30% 25% 20% 15% 10% 5% 0% Mortgages Divisional volume growth Sept 05 vs Sept 04 Retail Ireland +24% +16% WFS +27% UKFS +19% Bank of Ireland KKO

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