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Investor Presentaiton

Non-core items Cost of restructuring programme - Transformation investment costs' Other restructuring charges² Gain on disposal of Property Gross-up for policyholder tax in the Wealth and Insurance business Investment return on treasury stock held for policyholders (Loss) / gain on disposal / liquidation of business activities Tracker Mortgage Examination Review charges (Charge) / gain arising on the movement in the Group's credit spreads Bank of Ireland 2018 Results Announcement FY 2017 (Єm) FY 2018 (Єm) (48) (111) (48) (93) (18) 7 10 (7) (1) (5) (170) 651 (5) Cost of corporate reorganisation and establishment of a new holding company Total non-core items (7) (226) (100) 1 Transformation Investment costs of €93 million primarily relate to a reduction in employee numbers (€74 million), programme management costs (€8 million) and costs related to the implementation of the Group's property strategy (€11 million) 2 Other restructuring charges of €18 million primarily relate to impairment of property, plant and equipment and intangible assets Bank of Ireland 43 43
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