Investor Presentaiton

Performance Overview Substantial business growth in both Ireland and the UK Ireland Market Share Gains Business 2000 2006 Gain Mortgages 1 18% 19% +1 Life & Pensions 2 19% 25% +6 Deposits 1 22% 25% +3 Source: 1. Central Bank of Ireland 2. Irish Insurance Federation 6 Year Volume Growth +322% 2000 to 2006 +146% +102% UK Growth in Specialist Mortgage Book 2000 to 2006 £21.5bn £12.3bn 2% Specialist 45% 2000 55% Standard 6 Year Volume Growth 2000 to 2006 +75% Resources Business Loans Mortgages Mortgages 16 2006 +217% Business Banking Bank of Ireland Group

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