Investor Presentaiton

Transform the Bank A 0% • Culture H1 2018 Progress Systems Organisation re-design to create a leaner, flatter business is well advanced Phase 1 of Core Banking Programme completed in April 2018, delivering a single customer record for over 2 million customers across all products Expect first end-to-end use of new Core Banking platforms in H2 2018 with a pilot launch of personal loan and deposit origination • Ambition, purpose and values firmly embedded in organisation with over 6,000 colleagues attending 50 culture roadshows • Business Model Target outcomes Cost base to reduce to c.€1.7bn in 2021 Absolute cost level declining year- on-year to 2021 Income growth • Strengthened culture Bank of Ireland Group 5

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