2019 Interim Results

Bank of Ireland 2019 Interim Results Irish credit growth emerging Annual % Change 5 Leading Irish retail and commercial bank; unlocking growth in our home market New lending of €3.8bn in H1 2019 Corporate €0.5bn Consumer €0.3bn Property €0.6bn 0 Mortgages €1.0bn 23 23 Business Banking €1.5bn Unique franchise... • Over 2 million consumer, business and wealth and insurance customers • Largest lender to the Irish economy for 6 years running • Leading market shares in mortgage, SME, consumer and wealth products • Ireland's only bancassurer Leading Business Bank in Ireland #1 lender to Corporate Ireland Largest branch physical footprint, with 265 branches • Digitally enabled with 80% of customers digitally active Ireland is the fastest growing economy in Europe Demographics support further growth with youngest population in Europe 2017 2018 Stock of lending to households Stock of lending to businesses (non-financial corporations)1 ...with growth and efficiency upside • • 2019 Leading supporter of home building and buying €750 million in development finance approved Mortgage market expected to grow significantly €1bn green fund launched supporting mortgage, consumer and SME customers Supporting and partnering our business customers helping them navigate Brexit; €2bn Brexit fund launched • Continued growth in penetration of wealth product holdings for bank customers; launch of digital pensions platform in H2 2019 ⚫ Serving customers brilliantly with efficiencies through customer journey automation and simplification 1 Source: Central Bank of Ireland, Banks balance sheet basis, excludes loan sales and securitisations Bank of Ireland

View entire presentation