Investor Presentaiton

Cost income ratio: June 2018 Headline vs. Adjusted Net interest income Other income H1 2018 Headline (€m) 1,076 Adjustments (€m) . H1 2018 Adjusted (€m) 1,076 - Business income. 323 323 - Additional gains 10 - Other valuation items¹ (11) (10) 30 19 11 Total Income 1,398 20 1,418 Costs - Operating expenses - Transformation Investment Costs Cost income ratio 882 51 933 67% 882 51 933 66% Cost income ratio excludes; Levies and Regulatory charges Non-core items H1 2018 adjusted cost income ratio is adjusted for; Additional Gains and valuation items¹ (€20m) Bank of Ireland Group Excludes IFRS income classifications of €19m which is fully offset in net interest income 44

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