Investor Presentaiton

Net lending growth of €2.0bn Group loan book movement €16.5bn (€14.5bn) (€1.0bn) €0.2bn €1.3bn Total €2.0bn €77.0bn €79.5bn Dec 18 Loan book New Redemptions Loan book/ Disposals/ FX / Other lending Acquisitions Securitisation Dec 19 Loan book Net lending increased to €2.0bn in 2019 (€0.9bn) 2017 1 On a constant currency basis Bank of Ireland 2019 Results Announcement 20 20 Net lending growth of €2.0bn in 2019 • • • Diversified mix of Group's loan portfolios continuing to benefit net lending growth Net lending growth in 2019 driven by UK and international portfolios. Net loan book decrease in Retail Ireland (€0.3bn) New lending €16.5bn increased by 3% in 20191: - - Retail Ireland new lending €5.8bn, +1% vs. 2018 Retail UK new lending €6.7bn, +15% vs. 2018 Corporate new lending €4.0bn, 10% lower vs. 2018 Redemptions in line with 20181 ROI mortgage NPE disposals and securitisation providing positive benefit to NPE ratio and CET1 capital Outlook Net lending growth of c.€2.0bn in 2020 Growth supported by strong economic fundamentals in core markets Maintaining commercial discipline on risk and pricing €2.0bn • €1.3bn 2018 2019 Bank of Ireland

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