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BOI Overview Financial targets Metrics Target Hồ 2015 Bank of Ireland Group Status Balance Sheet Loans and advances to customers¹ c.€90bn €85bn On track Group loan/deposit ratio ≤120% 108% Buffer Transitional CET1 ratio 15.9% maintained >10% ELG covered liabilities Fully €1bn disengaged €5m ELG fees Profitability Net interest margin >2.0% 2.21% Cost income ratio <50% c.50% On track Impairment charge² 55-65bps 36bps 'Loans and advances to customers are stated net of impairment provisions. 2Annual impairment charge on customer loans as a % of average gross loans for the period. 24

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