2019 Interim Results Credit Presentation

Delivery of 2021 targets to be our constant focus 2019 Interim Results Credit Presentation Relentless focus on cost opportunities Continued delivery Efficient on transformation and IT change capital allocation Levers to mitigate changing environment Selective growth in key areas Prudent price management Business model simplification Efficient business Robust capital position if Sustainable dividends 21 21 Target is to increase ROTE to in excess of 10% by 2021 Bank of Ireland

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