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Investor Presentaiton

BOI Overview Summary Balance Sheet Bank of Ireland 2018 Results Announcement 34 === Dec 14 (€bn) Dec 15 (€bn) Dec 16 (€bn) Dec 17 (€bn) Dec 18 (€bn) Customer loans¹ Liquid assets Wealth and Insurance assets Other assets Total assets Customer deposits Wholesale funding Wealth and Insurance liabilities Other liabilities Subordinated liabilities and AT1 Shareholders' equity 2232208 20 85 78 25 24 21 24 16 16 17 7 6 7 131 123 75 80 75 14 14 16 16 17 10 6 3 2 9 8 9 75752271530 12762037539 79 11 9 Total liabilities & Shareholders' equity 130 131 123 123 124 Fully loaded CET1 ratio 9.3% 11.3% 12.3% 13.8% 13.4% Net stable funding ratio 114% 120% 122% 127% 130% Loan to deposit ratio TNAV per share 110% 106% 104% 100% 97% €6.49 €7.24 €7.40 €7.52 €7.85 1 Loans and advances to customers is stated after impairment loss allowance Bank of Ireland
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