Investor Presentaiton

Balance Sheet Funding March 06 March 05 11.3% Senior Debt / ACS 7.2% 13.1% 46% CP/CDs 10.6% 35% 21.5% Deposits by Banks 17.5% * 41.0% Customer Accounts 50.3% 5.1% 8.0% €150.5bn Other 7.2% Capital/Sub Debt 7.2% Total* €119.3bn Excludes Life funds held on behalf of policyholders: Mar 06 €11.8bn Mar 05 €8.7bn 22 Continued Diversification Increased wholesale funding from 35% in March 2005 to 46% in March 2006 (Sept 2005 45%) Driven by: - Impact of sale of Bristol & West deposit book added c. 6 percentage points Strong lending volumes not matched by customer accounts Continued funding diversification: ACS programme including private placements - US$ extendible notes issue Canadian $ CP programme French € CD programme Outlook - Closer alignment of customer lending & deposit growth Bank of Ireland Group

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