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Investor Presentaiton

€250m cost reduction 2017-2021; target lowered to €1.65bn €1.9bn €1,900m €1,852m €1,785m €1.65bn 2017 2018 2019 2020 2021 Bank of Ireland 2019 Results Announcement • Strong momentum with net cost reduction of €115m since 2017: - €215m (11%) gross cost saves driven by simplifying our organisation, sourcing strategically and ways of working Created capacity for €100m to absorb higher depreciation and targeted investment in our people and infrastructure • 2021 cost target lowered by a further €50m; from c.€1.7bn to €1.65bn Simplifying our 888 Organisation Sourcing Strategically Ways of Working Delivering the Digital Bank €142m of gross savings €62m of gross savings €215m of gross savings since 2017 Enabling Brilliant Customer Experiences €11m of gross savings Building capability 2020 onwards Bank of Ireland 11
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