Investor Presentaiton

Funding Update Dec 14 €bn Jun 15 €bn Customer Deposits Retail Ireland Retail UK Corporate Wholesale Funding 37 Private Markets Monetary Authority 2222264 75 79 38 29 12 15 14 1 Liquidity Metrics NSFR 114% 118% LCR 98% 101% LDR 110% 108% Credit Ratings of BOI Debt Securities Rating Agencies Moody's Senior unsecured Covered Bond Baa2 Outlook Stable Aa1 BBB- Standard & Poor's N/A Outlook Positive DBRS N/A AA (low) as of 06 Nov 2015 Bank of Ireland Group Customer deposits - €79bn Jun 15 Funding >90% of customer loans Diversified stable source of deposit funding ROI €38bn, UK €29bn (£21bn) and Corporate €12bn Predominantly retail customer oriented Customer deposits of €78bn at Sep 15 Wholesale funding - €15bn Jun 15 (unchanged at Sep 15) Continuing to access wholesale markets at economic costs c.€3.6bn debt issuance YTD Oct 15 Repaid c.€3bn of ECB funding during H1 2015 Credit Ratings - Positive action Upgrade of senior debt rating to Investment Grade by Moody's (May 15) and S&P (July 15) Strong covered bond credit ratings; Moody's upgrade to Aa1 in May 15 and DBRS upgrade to AA (low) in Oct 15 12

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