Investor Presentaiton

Bank of Ireland Franchises 51% Customer Loans¹ 45% €47.4bn €1.5bn €8.5bn €41.1bn -€1.7bn €6.4bn €12.1bn €4.9bn €25.3bn €28.1bn ROI UK 4% €3.9bn €0.2bn €3.7bn International Businesses Residential Mortgages Non-property SME & Corporate Property and Construction Consumer % Geographical Split 1 Gross loans and advances to customers at 30 Jun 2015 of €92.4bn. Bank of Ireland Group ROI-Leading bank in a growing economy Largest lender to the Irish economy in H1 2015 Full service retail/commercial bank with #1 or #2 positions across all principal product lines #1 Business and Corporate Bank Ireland's only bancassurer, 23% share of life assurance market UK - A leading consumer bank Exclusive financial services partner of UK Post Office; Legal & General and other partnerships also in place Recent announcement of long term AA partnership complementary to Post Office partnership Full service retail/commercial bank in Northern Ireland International Business - Acquisition finance business Well recognised lead arranger/underwriter US/European business Focused on mid-market transactions Expertise developed over c.20 years 3

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