Investor Presentaiton

BOI Overview: Ireland Ireland's leading retail and commercial bank Bank of Ireland 2019 Results Announcement 34 === Consumer Unique customer franchise Driving local community, enterprise and business development activity Retail Ireland Business Wealth • 1.7m active consumer customers • c.200k SME customers . >500k Wealth and Insurance customers • • 264 branches, with €20m invested in upgrades in 2019 Over the past three years we have invested over €30m and have upgraded c.200 branches Community and enterprise programme activity in 2019, supporting local growth and development, includes: National Enterprise Town Awards Enterprise events, including Brexit related events attended by over 3,000 customers c.1,000 local customer events hosted in 12 workbenches nationwide Extensive engagement via digital channels B • 77% digitally active current account base • Over three quarters of interactions are via mobile device • Corporate Ireland Corporate Banking Ireland #1 Corporate Bank in Ireland ⚫ #1 Bank for FDI into Ireland • Country-wide coverage via regional hubs Banking relationship with 60% of Ireland's top companies • >500 corporate customers: average 5 products held per customer Property Finance • Actively supporting new home & office development ⚫ Disciplined . • approach to risk management 70 Specialist staff; >175 customers Leading lender to investment & construction sectors Markets & Treasury • Leading treasury service provider • Track record of innovation Bank of Ireland

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