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Strong Capital Base Capital Ratios Strong Capital Base and Rating Strong capital position - Tier 1 ratio of 7.5% Mar 06 % Mar 05 % Total Capital 11.4 10.9 - Tier 1 Capital 7.5 7.9 Asset Growth Total Capital ratio of 11.4% Adequate capital for planned growth - - 16/17% annual RWA growth supported by retained earnings Flexibility within the Balance Sheet RWA growth to moderate Strong credit rating1 Mar 06 Mar 05 €bn €bn % Change Retail FS RWAS 26.7 22.0 22 Wholesale FS RWAS 34.9 26.5 32 UKFS RWAS 34.2 26.0 31 - Moody's Other RWAS 1.7 1.4 18 - S&P Risk Weighted Assets 97.5 75.9 28 Fitch Total Assets 162.3 128.0 27 Aa3 (Stable) 1 Senior debt ratings shown A+ (Positive) AA- (Stable) Bank of Ireland Group 24 24

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