AIB Group Investor Presentation — June 2021

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AIB Group plcBACKING

HALF -YEARLY FINANCIAL RESULTS

For the six months ended 30 June 2021

Forward looking statement

2This document contains certain forward looking statements with respect to the financial condition, results of operations and business of AIB Group

and certain of the plans and objectives of the Group. These forward looking statements can be identified by the fact that the y do not relate only to

historical or current facts. Forward looking statements sometimes use words such as ‘aim’, ‘anticipate’, ‘target’, ‘expect ’, ‘estimate’, ‘intend’, ‘plan’,

‘goal’, ‘believe’, ‘may’, ‘could’, ‘will’, ‘seek’, ‘continue’, ‘should’, ‘assume’, or other words of similar meaning . Examples of forward looking

statements include, among others, statements regarding the Group’s future financial position, capital structure , Government shareholding in the

Group, income growth, loan losses, business strategy, projected costs, capital ratios, estimates of capital expenditures , and plans and objectives

for future operations. Because such statements are inherently subject to risks and uncertainties , actual results may differ materially from those

expressed or implied by such forward looking information. By their nature, forward looking statements involve risk and uncertainty because they

relate to events and depend on circumstances that will occur in the future. There are a number of factors that could cause ac tual results and

developments to differ materially from those expressed or implied by these forward looking statements. These are set out in the Principal risks on

pages 50 to 53 in the Annual Financial Report 2020 and updated on page 36 of the Half -Yearly Financial Report 2021. In addition to matters

relating to the Group’s business, future performance will be impacted by direct and indirect impacts of the COVID -19 pandemic and by Iris h, UK

and wider European and global economic and financial market considerations. Any forward looking statements made by or on behalf of the Group

speak only as of the date they are made. The Group cautions that the list of important factors on pages 50 to 53 of the Annual Financial Report

2020 is not exhaustive. Investors and others should carefully consider the foregoing factors and other uncertainties and events when making an

investment decision based on any forward looking statement.

Figures presented inthepresentation may besubject torounding andthereby differ totheHalf-Yearly Financial Report 2021 .Organisational focus on cost reduction through increased efficiency

Progress made on digitalisation, future of work and business model initiatives