Investor Presentaiton

BOI Overview: Business profile Attractive UK and International franchises provide diversification and further opportunities for growth within a disciplined risk appetite Partnership based consumer banking franchise in UK Savings c.940k Customers Focus on enhancing customer propositions and experience, pricing agility Trusted brand and established customer base Mortgages Improved processing capability, service resilience with focus on enhancing customer propositions Retail FX Market leader with c.24% share Multi-Currency Card launched in 2017 with sales of >300k cards; highly successful app accounting for c.70% of top-ups More branches than other retail banks combined POST OFFICE Money Consumer Lending Up front eligibility check, E-sign and document upload now available Acquisition Finance Well recognised lead arranger/ underwriter European/US Business • • Focussed on mid-market transactions Expertise developed over c.20 years Profitable with strong asset quality III ATM c.11,500 Post Office branches c.2,400 Post Office Online Mobile Telephone / BOI ATMs Strategic intermediaries AA Stamford AA partnership continues to develop Focussed on a customer offering that combines our proven product development capability with the strength of the AA brand and its extensive and attractive membership base Full service bank in Northern Ireland Northridge: Vehicle asset finance business Corporate lending - focussed sector strategy Bank of Ireland Group London ●Frankfurt Paris 29

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