Investor Presentaiton

Business Highlights Strong Financial Performance Ireland's Leading Bank International Diversification Underlying profit before tax of €1,078m; NIM of 2.29% Further significant improvement in asset quality; NPE ratio now at 8.3% Strong capital position; dividends re-commencing Largest lender to Irish economy Growing market share in residential mortgages and largest market share in business banking Ireland's only bancassurer Growth in UK residential mortgages new lending, supported by strategic partnerships Leading position in mid-market US and European Acquisition Finance business Transformation Transforming our culture, technology and business models Investments will drive long term sustainability, competiveness and efficiencies Outlook Bank of Ireland Group Strong economic growth projected in Ireland; UK also expected to expand Expect net loan book growth in 2018 with NIM expected to be modestly lower than 2017 Strategic priorities set; Investor Day in June 2018 3

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