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Investor Presentaiton

Delivering Results on Commitments 1 2 "Develop a competitive, lower-cost operating model" Launched Strategic Transformation Programme Delivering savings ahead of target "Achieve real customer differentiation" Launched "Changing For You" Customer Programme More front-line staff, improving branches, innovative customer propositions, free banking, shortening queues 3 "Conclude review of our UK businesses and take action" 4 Sold Bristol & West branch network and Chase de Vere Clear focus on 3 growth segments "Deliver on the UK Post Office Venture" Successful export & implementation of sales effectiveness model Sales traction established in POFS - Customer numbers ahead of target 5 "Create more growth platforms in international businesses" Investing in people, new capabilities & new geographies in Wholesale Re-modelling Asset Management Services 7 Bank of Ireland Group
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