Bank of Ireland 2019 Credit Presentation

2019 Highlights Profitability €758m Underlying profit before tax Growth €2.0bn Net lending growth Bank of Ireland 2019 Credit Presentation • Stable net interest income; NIM of 2.14% Costs reduced by €67m (4%) • NPE ratio reduced by 190bps to 4.4% • New lending up 3% to €16.5bn Irish mortgage market share of 24%; increased SME market share 11% income growth in Wealth and Insurance . Cost reduction delivered in each of the last four reporting periods UK making progress on 'invest, improve and reposition' strategy New digital platforms launched Transformation 4% Reduction in costs • • Capital 13.8% CET1 increased • by 60bps • Organic capital generation of 170bps Unlocked additional 40bps through capital initiatives Dividend increased by 9% to 17.5c per share (€189m) Bank of Ireland 4

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