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Investor Presentaiton

The Transformation of the Irish Economy 1.4- 1.2- Population Average Annual Growth (%) 11 1- 0.8 0.6- 0.4- 0.2- 0- 1991-96 1996-02 2002-04 15 10 LO 5 Ireland EU Unemployment Rate (%) 0 1991 1996 2002 2004 Ireland EU GDP Per Capita (vs EU Average=100) 140.0 120.0- 100.0- 80.0- ull 60.0- 40.0 20.0- 0.0- 1985 1990 1995 2000 2004 Ireland was in a position of relative weakness compared to its European peers in the 1980's. It has seen significant growth in the last 20 years with GDP per Capita growing from 69% of the EU average in 1985 to 123% in 2004. With the strength of the fundamentals, the Irish economy can support this growth going forward. Bank of Ireland Global Markets are forecasting 5.5-6.0% GDP growth over the medium term, underpinned by 2.5% labour force growth and 3.5% productivity gains (average in last 5 years and the 1990's) 23 Source: CSO & Eurostat Bank of Ireland KKO
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