Investor Presentaiton

Strong financial performance in 2017 Net interest margin Impairment charge on customer loans 2.29% 2.19% 2.20% 32bps 21bps 2bps 2015 20161 2017 2015 2016 2017 Non-performing exposures Fully loaded CET1 ratio €9.4bn 13.8% €8.1bn 12.3% 11.3% €6.5bn Dec 16 Jun 17 Dec 17 Dec 15 Dec 16 Dec 17 Bank of Ireland Group 'Comparative figures for 2016 have been restated to reflect the impact of the reclassification of the charges relating to the Central Bank of Ireland's Tracker Mortgage Examination Review as non-core 15

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