Investor Presentaiton
Funding Update
Customer Deposits
Retail Ireland
Retail UK
Corporate
12
Wholesale Funding
14
Private Markets
13
Monetary Authority
1
Dec 15
(Єm)
Jun 16
(Єm)
39
29
8222
80
40
82327
26
12
13
12
1
Liquidity Metrics
NSFR
120%
119%
LCR
108%
116%
LDR
106%
103%
Credit Ratings of BOI Debt Securities
Bank of Ireland Group
Customer deposits - €78bn
Customer deposits funding >95% of customer loans
ROI €40bn, UK €26bn (£21bn) and Corporate €12bn
Predominantly sourced through retail distribution channels
Current account volumes growing with increased activity
by customers and ongoing shift from term deposits due to
the low interest rate environment
Wholesale funding - €13bn
Strong liquidity position facilitated buyback of €0.6bn of
outstanding senior debt in H1 2016
Significant TLTRO II capacity available at attractive pricing
Investment grade senior unsecured ratings; positive
outlook
Strong covered bond credit ratings
Senior
Rating Agencies
Moody's
unsecured
Covered
Bond
Credit Ratings
Baa2
Outlook Positive
Aa1
BBB-
Standard & Poor's
N/A
Outlook Positive
DBRS
N/A
AA (low)
As at Aug 2016
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