Investor Presentaiton

BOI Overview: Ireland Ireland's leading retail and commercial bank Consumer Retail Ireland Business Wealth Corporate / Markets Corporate Banking Property Finance Unique customer franchise Supporting local communities and enterprises Growing preference for digital channels 1.7m active consumer customers with average tenure 15 years • 200k SME customers and 500k Wealth and Insurance customers ⚫ #1 or #2 market share across all principal product lines • 265 branches, >2,800 front line staff Branches evolving into business development hubs driving local commerce • >3,000 enterprise and community events last year 79% digitally active current account base • >250% increase in mobile users 2012 - 2018 • 15m interactions in our digital channels every month Ireland #1 Corporate Bank in Ireland #1 Bank for FDI into Ireland Country-wide coverage via regional hubs Banking relationship with 60% of Ireland's top companies • >500 corporate customers: average 5 products held per customer . Disciplined approach to risk management 60 Specialist staff; >175 customers Markets & Treasury Leading treasury service provider • Track record of innovation Bank of Ireland Group 20 20

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