Investor Presentaiton

H2 2018 outlook Income growth Transformation of cost base Capital generation, investment and return ⚫ Net loan book growth while maintaining commercial pricing and risk discipline • NIM to be broadly in line with FY 2018 guidance of 2.24% Operating expenses to continue to reduce • Absent a deterioration in the economic environment or outlook, expect net impairment gains for the full year 2018 • Expect further reductions in NPES • Continue to generate strong organic capital Bank of Ireland Group 14

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