Investor Presentaiton

Income Statement Non-core items Bank of Ireland Group 2015 (€m) 2016 (€m) 11 15 11 5 Gross-up for policyholder tax in the Life business Gain arising on the movement in the Group's credit spreads Investment return on treasury stock for policyholders Impact of Group's pensions reviews (2010 and 2013) Payments in respect of Career and Reward framework Gain/(loss) on disposal / liquidation of business activities Loss on liability management exercises Cost of restructuring programme 1 4 25 51 Total non-core items 2 E (1) (19) (43) (35) 31 (39) 31

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