Investor Presentaiton

Strong businesses with competitive strengths in attractive markets Supportive economic outlook Attractive markets Irish credit growth emerging after many years of deleveraging Significant opportunities for growth Strong businesses Unique customer franchises 2 0 -2 -4 -6 -8 2012 2013 NEW IRELAND ASSURANCE Bank of Ireland Bank of Ireland > Corporate Banking POST OFFICE Money AA • 2014 2015 2016 2017 Stock of lending to households (annual % change) Stock of lending to businesses2 (annual % change) Source: Central Bank of Ireland 2018 Confidence and demographics are driving an increase in new credit formation The Irish economy is expanding; GDP growth expected to remain well above the Euro area average • The UK economy has been expanding at a moderate pace; expect steady growth amid Brexit uncertainties • Significant growth expected in Irish house building, home buying and SME lending Growing Irish population with increasing need for wealth management and retirement planning solutions Attractive under-served segments of the UK market . Ireland's leading retail and commercial bank with #1 or #2 market share in all principal product lines • Extensive distribution network; Ireland's only bancassurer A diverse portfolio of profitable businesses in UK and internationally Strong track record of credit risk management with commercial pricing and risk discipline Bank of Ireland Group 'Banks balance sheet basis, excludes loan sales and securitisations 2Non-financial corporations 3

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