Investor Presentaiton

Income Statement Non-core items Cost of restructuring programme Gross-up for policyholder tax in the Life business Gain (Charge) arising on the movement in Group's credit spreads Impact of changes to pension benefits in the Group sponsored defined benefit schemes Payments in respect of the career and reward framework Loss on liability management exercises Investment return on treasury stock held for policyholders Loss on disposal of business activities. Total non-core items Bank of Ireland Group H1 2014 (€m) H1 2015 (€m) (27) (18) 8 10 8 (8) 87 က (1) 72 (18) 27 22

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