Investor Presentaiton

20 Long Term Funding EMTN EUR 15 Billion Programme Multi Currency Issuance Fixed and Floating rate issuance ACS EUR 10 Billion Programme Triple A rated Public & Private Placements Cornerstone of bank's senior funding - allows extension of duration of liability profile - improves funding efficiency - diversifies investors by geography and type €2bn BolMB ACS 3.5% 5 year Issue (22/09/04 - 22/09/09) winner of: IFR Euro Bond of the Year 2004 IFR Covered Bond of the Year 2004 Euroweek Covered Bond of the Year 2004 Bank of Ireland KKO

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