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Investor Presentaiton

BOI Overview Summary Balance Sheet¹ Bank of Ireland Group Dec 12 (€bn) Dec 13 (€bn) Dec 14 (€bn) Dec 15 (€bn) Jun 16 (€bn) Net customer loans² 93 85 82 85 80 Liquid assets Other assets Total Assets 33 27 25 24 22 9 6 7 6 8 135 118 114 115 110 Customer deposits 75 74 75 80 78 Wholesale funding 39 27 Private sources 24 19 Monetary Authority/ TLTRO 15 228 20 14 16 13 4 37 321 Subordinated liabilities 2 2 2 2 2 Additional Tier 1 instruments 1 1 Other liabilities 10 7 8 10 Stockholders' equity 9 8 9 8 8 Total Liabilities & Stockholders' Equity 135 118 114 115 110 CET1/Core Tier 1 ratio³ 11.1% 10.0% 12.3% 13.3% 12.8% Total Capital ratio³ 12.1% 11.3% 15.8% 18.0% 17.2% Loan to deposit ratio 123% 114% 110% 106% 103% 'Balance sheet excludes BOI Life assets and liabilities Loans and advances to customers is stated after impairment provisions 3CET1 / Core Tier 1 and Total Capital ratios are stated under Basel II rules as amended for PCAR requirements for 2012 and under Basel III transitional rules for 2013-2016, all excluding 2009 Prefs 29
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