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Investor Presentaiton

Divisional Overview Wholesale Financial Services . Leading Treasury, Stockbroking and Corporate Finance advisers in Ireland. . Corporate Banking has leading market share with internationalised Irish corporates and multinationals operating in Ireland. Strong international income flow from niche, skills-based businesses adding to Group profit diversification. Good asset quality, modest proprietary trading and sound governance, controls & risk culture. First Rate Enterprises provides foreign currency services in Ireland, the UK and North America. UK Financial Services . . A key player in the UK specialist mortgage market, with growing market share, while maintaining an excellent arrears profile. Strategy is to focus on mortgages, business banking and on consumer banking, primarily through our joint venture with the UK Post Office (PO FS). PO FS gives exposure to Europe's largest retail network with 44 million customers per year. 6 Bank of Ireland KKO
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