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Investor Presentaiton

Divisional Overview Retail Republic of Ireland and Bank of Ireland Life Leading position in Ireland. . Presence in all market segments incl branch banking, life and pensions and business banking through direct & indirect channels Growing market share in an increasing competitive market environment Irish Market Shares @ Sept 2005 • New Mortgages 27% • Life Assurance 25% . Credit Cards in issue 38% . Business Advances 20% • SME Current Accounts 36% Asset Management Services • Provides fund management services to institutions and pension funds in Ireland and overseas, along with custodial services BIAM is the most successful Irish-owned fund management business Assets Under Management* 8 BIAM . Iridian €44.0bn US$10.4bn * At 30 Sept 2005 Bank of Ireland KKO
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