2018 Credit Presentation

Focused on execution of our strategy to 2021 2018 Credit Presentation 1.54% 4.94% 15.00 +0.60 43.77% 6.00 +0.20 1.03% 0.10 -0.57K 5.06 +0.05 40.85% 1.00% 3.00 10060161-0.02 -0.90% 143% challenges ahead... Our ambition is clear 2018 has been While there are transformational • Investor Day - June 2018 • Cultural change • • Technology • National Champion Bank in Ireland with selective UK and international diversification transformation • Strengthened leadership capabilities • Brexit and the global economy Evolving regulatory requirements • UK competitive environment ...we are committed to delivering our strategy Growing and transforming our business Improving returns in the UK Repositioned brand strategy Bank of Ireland 5

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