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Investor Presentaiton

Three Strategic Priorities Transform the Bank Transform the Bank 5.3 Serve Customers Brilliantly Grow Sustainable (no.1) Profits • • • Culture H1 2018 Progress Systems Organisation re-design to create a leaner, flatter business is well advanced Phase 1 of Core Banking Programme completed in April 2018, delivering a single customer record for over 2 million customers across all products Expect first end-to-end use of new Core Banking platforms in H2 2018 with a pilot launch of personal loan and deposit origination Ambition, purpose and values firmly embedded in organisation with over 6,000 colleagues attending 50 culture roadshows Business Model Target outcomes Cost base to reduce to c.€1.7bn in 2021 Absolute cost level declining year- on-year to 2021 • Income growth Strengthened culture Bank of Ireland Group 5
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