2018 Credit Presentation
UK Customer Loans £27.9bn (€31.2bn)
UK Mortgages - £19.4bn
Scotland,
£1.1bn
Northern Ireland,.
£1.0bn
Rest of England,.
£8.9bn
Wales,
£0.7bn
Greater
London,
£3.6bn
Outer
Metropolitan,
£2.2bn
South East,
£1.9bn
Other UK Customer Loans - £8.5bn
£0.1bn
£0.2bn
£0.1bn
£2.5bn
£1.3bn
SME
Corporate
£0.04bn
£2.6bn
£1.5bn
£0.01bn
£0.15bn
Land &
Development
Consumer
Investment
Property
Performing loans Non-performing exposures
UK Mortgages Analysis - £19.4bn
.
Total UK mortgages of £19.4bn; (NPES: 2%)
2018 Credit Presentation
Average LTV of 62% on total book (2017: 62%)
Average LTV of 72% on new mortgages (2017: 72%)
70% of mortgages originated since January 2010 are standard owner
occupier mortgages
BTL book is well seasoned with 71% of these mortgages originating prior to
January 2010
Average balance of Greater London mortgages is c.£190k, with 93% of
Greater London mortgages having an indexed LTV <70%
Other UK Customer Loans Analysis - £8.5bn
Non-performing exposures of £0.4bn with strong coverage ratios
Performing loans of £8.1bn;
SME: broad sectoral diversification with low concentration risk
Corporate: specialist lending teams in Acquisition Finance, Project
Finance, and Corporate lending through a focused sector strategy
Investment Property: primarily Retail, Office and Residential sectors
Consumer (£2.7bn):
Northridge (£1.4bn): Asset backed motor finance business; net loan
book increase of £0.3bn in 2018; mid-market pricing targeting prime
business only; below industry arrears and loan losses
Personal loan volumes (£0.7bn): net loan book increase of £0.3bn in
2018; improved credit risk process has driven increase in customer
applications and drawdowns
Credit cards (£0.6bn): classified as held for sale as at Dec 2018
Bank of Ireland
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