Investor Presentaiton

Bank of Ireland Franchises Benefitting from Irish growth with International diversification Customer Loans¹ ROI 54% €45.7bn €1.7bn €7.6bn 41% €34.9bn €1.9bn €11.8bn €4.1bn €4.1bn €24.6bn €24.8bn ROI UK 5% €4.5bn International Businesses Residential Mortgages Non-property SME & Corporate Property and Construction Consumer % Geographical Split 1Gross loans and advances to customers at 30 Jun 2016 of €85.1bn Bank of Ireland Group UK Continue to be the largest lender to the Irish economy #1 or #2 market positions across all principal product lines Strong commercial discipline on lending and deposit margins Continuing to benefit from and support economic growth in Ireland ►BOI (UK) plc is a separately regulated, capitalised and self- funded business Universal Banking offering in Northern Ireland Focussed predominantly on consumer sector Attractive partnerships including the Post Office and AA Commission based business model provides flexibility to adapt quickly to market developments International Business - Acquisition finance business Mid market US/European business Strong 20+ year track record Good geographic and sectoral diversification Generates attractive margins and fee income within disciplined risk appetite 2

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