Investor Presentaiton
Non-performing exposures by portfolio
Bank of Ireland 2020 Interim Results
Advances
Non-performing
Non-performing
Impairment
Composition (Jun 20)
(€bn)
exposures
(€bn)
exposures as %
of advances
loss allowance
Impairment loss
allowance as % of
(€bn)
non-performing exposures
Residential Mortgages
44.4
2.2
5.0%
0.6
26%
- Republic of Ireland
22.9
1.6
6.9%
0.4
29%
- UK
21.4
0.6
3.0%
0.1
21%
Non-property SME and corporate
20.7
1.1
5.4%
0.8
73%
- Republic of Ireland SME
7.1
0.6
9.1%
0.4
66%
- UK SME
1.7
0.1
6.8%
0.1
57%
- Corporate
11.9
0.4
3.1%
0.3
89%
Property and construction
8.2
1.1
13.3%
0.5
42%
- Investment
7.4
1.1
14.4%
0.4
39%
- Development
0.8
0.0
4.0%
0.0
118%
Consumer
5.3
0.1
2.4%
0.3
208%
Total loans and advances to customers
78.5
4.6
5.8%
2.1
47%
Non-performing
Advances
Composition (Dec 19)
(€bn)
exposures
(€bn)
Non-performing
exposures as %
of advances
Residential Mortgages
46.3
1.9
- Republic of Ireland
23.0
1.5
- UK
23.2
0.5
Non-property SME and corporate
20.4
0.9
- Republic of Ireland SME
7.3
0.5
- UK SME
1.7
0.1
- Corporate
11.4
0.2
Property and construction
8.1
0.6
- Investment
7.2
0.6
- Development
0.9
0.0
25525-2669
4.2%
Impairment
loss allowance
(€bn)
0.4
Impairment loss
allowance as % of
non-performing exposures
22%
6.3%
0.4
25%
2.1%
0.1
13%
4.3%
0.5
55%
7.5%
0.3
54%
6.3%
0.0
46%
2.0%
0.1
60%
7.3%
0.2
39%
7.7%
0.2
37%
3.8%
0.0
64%
Consumer
5.7
0.1
1.7%
0.2
159%
Total loans and advances to customers
80.5
3.5
4.4%
1.3
37%
Bank of Ireland
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