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Investor Presentaiton

BOI Overview Profile of customer loans¹ at Dec17 (gross) Composition (Dec 17) Mortgages ROI UK RoW Total Total (€bn) (€bn) (€bn) (€bn) (%) 24.1 22.6 0.0 46.7 60% Non-property SME and corporate 11.2 4.02 3.5 18.7 24% SME 8.2 1.7 0.0 9.9 13% Corporate 3.0 2.3 3.5 8.8 11% Property and construction Investment property Land and development 6.0 2.7 0.1 8.8 11% 5.7 2.5 0.1 8.3 10% 0.3 0.2 0.0 0.5 1% Consumer 2.0 2.3 0.0 4.3 5% Customer loans (gross) 43.3 31.6 3.6 78.5 100% Geographic (%) 55% 40% 5% 100% Bank of Ireland Group 'Based on geographic location of customer Includes £0.6bn relating to GB business and corporate loan books, which BOI was required to run down under its EU approved Restructuring Plan (2016: £0.9bn) 32
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