Investor Presentaiton

September 2005 Interim Highlights Sustained growth in profit..... Irish GAAP basis €m IFRS Basis % Sept 04 Sept 05 Change 1,398 1,500- Total Income* 1,608 1,842 15% 1,400- 1,267 1,300- 1,177 1,122 € (Mn) 1,200- 1,085 1,100- 1,000- 920 Impairment Losses Operating (28) (50) 79% * (935) (972) 4% 900- Expenses 800- 2000 2001 2002 2003 March Year End 2004 2005 Associates/JVs 19 28 47% (post tax) Profit Before Tax 664 848 28% PBT Sept 2005 Non Core Items (50) (183) 15% Underlying PBT 614 665 8% * 11 26% ☐ ROI UK Rest of World 59% Net of increase in insurance contract liabilities and claims ....that is geographically diversified Bank of Ireland KKO

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