2018 Credit Presentation

BOI Overview: Ireland Ireland's leading retail and commercial bank Consumer Retail Ireland Business Wealth 2018 Credit Presentation Corporate Ireland Corporate Banking Property Finance Unique customer franchise Supporting local communities & enterprises • • 1.7m active consumer customers 225k SME customers and 500k Wealth and Insurance customers 267 branches, >2,800 front line staff Reinventing branches with workbenches and event spaces driving local community, enterprise and business development activity • Over 550 Bank of Ireland led events including National Enterprise week and National Enterprise Town Awards Ireland #1 Corporate Bank in Ireland ⚫ #1 Bank for FDI into Ireland • Country-wide coverage via regional hubs Banking relationship with 60% of Ireland's top companies • >500 corporate customers: average 5 products held Growing preference 79% digitally active current account base for digital channels • >250% increase in mobile users 2012 - 2018 • Average of > 16m interactions in our digital channels every month per customer ⚫ Disciplined • approach to risk management 60 Specialist staff; >175 customers • Leading funder of investment property and construction Markets & Treasury • Leading treasury service provider • Track record of innovation Bank of Ireland 31

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