Investor Presentaiton

Continued growth in new lending Growth of 11% in new lending Retail Ireland Retail UK Corporate & Treasury • €5.3bn €4.8bn £4.6bn £4.1bn €3.6bn €3.2bn 2016 2017 €78.5bn 2016 2017 2016 2017 Group loan book movement in 2017 €14.1bn €13.8bn Dec 16 Loan Volumes Net Lending €1.2bn €1.5bn Total €15.0bn Customer Redemptions Redemptions on impaired loans, GB non-core Bank of Ireland Group €76.1bn • . New lending of €14.1bn¹ in 2017, increase of 11% on a constant currency basis vs. 2016 Retail Ireland new lending increased by 9%; • ROI mortgage new lending up 41% ROI mortgage new lending market share grew to 27% (2016: 25%) with a strong Q4 market share of 29% Expect to re-enter ROI mortgage broker market later in 2018; maintaining an appropriate focus on risk and pricing Retail UK new lending increased by 12%, primarily driven by UK mortgages Corporate new lending increased by 13% Group loan book decreased by c.€2.4bn to €76.1bn reflecting; • New lending of €14.1bn • Customer redemptions of €13.8bn Redemptions of impaired loans and GB non-core business banking loan book² of €1.2bn FX Dec 17 • Loan Volumes FX translation impact of €1.5bn 'Excluding portfolio acquisitions (2016 - €0.2bn; 2017 - €0.1bn) 2GB business and corporate loan books, which BOI was required to run down under its EU approved Restructuring Plan (Remaining stock: 2016 - £0.9bn; 2017 - £0.6bn) 18

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