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Investor Presentaiton

Supportive Economic Backdrop Irish GDP growth well above Euro area average 2 0 -2 -4 7.2% 2017 6.5% 2.4% 2.1% 2018(f) Ireland GDP (annual real growth) Euro area GDP (annual real growth) 4.2% 16 12 2.0% 8 Irish economy to continue creating jobs 4 2019(f) 2007 2008 Source: CSO, Ireland forecasts: Bank of Ireland, Euro area: EU Commission Irish credit growth after many years of deleveraging -6 -8 2012 2013 2014 2015 2016 1.7% 2017 2017 2018 4.4% Stock of lending to households (annual % change) Stock of lending to businesses2 (annual % change) Source: Central Bank of Ireland Bank of Ireland Group 2017 Unemployment Rate 2018(f) 5.3% 2019(f) 4.5% 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 - Unemployment Rate (%) Source: CSO, forecasts (annual average): Bank of Ireland UK GDP growth (annual real growth) 1.5% 2018(f) UK unemployment (annual average) 4.1% 2018(f) Source: ONS, forecasts: Bank of Ireland Banks' balance sheet basis: excludes loan sales and securitisations 2 Non-financial corporations 1.6% 2019(f) 4.0% 2019(f) 4
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