Investor Presentaiton
Non-performing loans by portfolio
Non-performing loans reducing across all portfolios
Composition (Dec 16)
Bank of Ireland Group
Advances Non-performing Non-performing Defaulted
(€bn)
loans
(€bn)
loans as % of
loans
Defaulted
loans as % of
Impairment
provisions
advances
(€bn)
advances
(€bn)
Impairment
provisions as % of
non-performing
Impairment
provisions as %
of defaulted
loans
loans
Residential Mortgages
48.2
3.0
6.3%
2.0
4.2%
1.0
33%
49%
Republic of Ireland
24.3
2.2
9.1%
1.7
6.9%
0.9
41%
54%
- UK
23.9
0.8
3.5%
0.3
1.4%
0.1
9%
23%
Non-property SME and Corporate
20.0
2.0
9.8%
2.0
9.8%
1.1
55%
55%
- Republic of Ireland SME
8.8
- UK SME
1.9
Corporate
9.3
8 63
1.5
17.0%
1.5
151
17.0%
0.8
54%
54%
0.2
7.6%
0.2
7.6%
0.1
53%
53%
0.3
3.5%
0.3
3.5%
0.2
63%
63%
Property and construction
10.4
2.8
27.3%
2.8
27.3%
1.7
61%
61%
- Investment property
9.4
2.1
22.7%
2.1
22.7%
1.2
57%
57%
- Land and development
1.0
0.7
69.6%
0.7
69.6%
0.5
73%
73%
Consumer
3.8
0.1
2.7%
0.1
2.7%
0.1
94%
94%
Total loans and advances to
customers
82.4
7.9
9.6%
6.9
8.4%
3.9
49%
56%
Composition (Dec 15)
Advances Non-performing Non-performing Defaulted
Defaulted
(€bn)
loans
(€bn)
loans as % of
advances
loans
loans as % of
Impairment
provisions
Impairment
Impairment
(€bn)
advances
(€bn)
provisions as % of
non-performing
provisions as %
of defaulted
loans
loans
Residential Mortgages
52.9
4.2
7.9%
2.8
5.2%
1.3
31%
47%
-
Republic of Ireland
25.0
3.0
12.2%
2.3
9.3%
1.2
39%
52%
- UK
27.9
1.2.
4.1%
0.5
1.6%
0.1
9%
22%
Non-property SME and Corporate
21.0
2.7
13.0%
2.7
13.0%
1.4
53%
53%
Republic of Ireland SME
9.3
2.0
21.9%
2.0
21.9%
1.1
52%
52%
- UK SME
2.4
0.3
11.1%
0.3
11.1%
0.1
51%
51%
Corporate
9.3
0.4
4.6%
0.4
4.6%
0.3
59%
59%
Property and construction
13.4
4.9
36.8%
4.9
36.8%
3.0
61%
61%
- Investment property
11.4
3.2
28.5%
3.2
28.5%
1.7
53%
53%
- Land and development
2.0
1.7
84.8%
1.7
84.8%
1.3
76%
76%
Consumer
3.3
0.2
4.1%
0.2
4.1%
0.1
105%
105%
Total loans and advances to
90.6
12.0
13.2%
10.6
11.6%
5.9
49%
56%
customers
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