Investor Presentaiton

Asset Quality Diversification of Loan Book Agriculture 1% Financial 2% Commercial Mortgages 3% Other Lending Manufacturing Business & Other services 5% 6% 8% Personal Lending 8% Construction & Property Residential Mortgages 17% 50% 0% 10% 20% 30% 40% 50% 60% End March 2006 High quality loan book with 50% of loan assets secured against residential properties 19 Bank of Ireland Group

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