Bank of Ireland 2020 Debt Investor Presentation
Portfolio by stage
Composition (Dec 20)
Sectoral Analysis by stage
Residential Mortgages
- Ireland
- UK
Non-property SME and corporate
- Ireland SME
- UK SME
- Corporate
Property and construction
- Investment
Bank of Ireland 2020 Debt Investor Presentation
Gross carrying amount
Impairment loss allowance
ILA %
(before impairment loss allowance)
Stage 1
€m
40,016
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2 Stage 3 POCI
Total
of gross
loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
2,528 2,196
19,552 1,880 1,508
20,464 648
688
2
44,742
74
31
374
479
1.1%
2
22,942
43
20
329
393
1.7%
21,800
31
11
45
86
0.4%
10,637 8,181
1,014
19,858
134
368
416
13
931
4.7%
4,155 2,246
672
7,073
96
144
261
501
7.1%
1,064
612
114
1,790
9
37
26
72
4.0%
5,418
5,323
228
26
10,995
29
187
129
13
358
3.3%
2,639
4,869
1,021
62
8,591
9
126
442
19
596
6.9%
2,357 4,227
987
62
7,633
7
103
427
19
556
7.3%
- Development
282
642
34
958
2
23
15
40
4.2%
Consumer
4,961
165
145
5,271
129
27
80
236
4.5%
- Motor Lending UK
1,798
71
31
1,900
10
5
13
28
1.5%
- Loans UK
1,295
43
42
1,380
90
17
32
139
10.1%
- Motor Lending Ireland
751
22
773
8
8
16
2.1%
- Loans Ireland
678
42
33
753
18
4
17
39
5.2%
- Credit Cards Ireland
439
9
17
465
3
1
10
14
3.0%
Total
58,253
15,743
4,376
90
78,462
346
552
1,312
32
2,242
2.9%
Composition (Dec 19)
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA %
Sectoral Analysis by stage
Stage 1
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2 Stage 3
POCI
Total
of gross
loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
€m
Residential Mortgages
42,898 1,677
1,693
3
46,271
16
36
380
432
0.9%
- Ireland
20,610 1,133 1,289
3
23,035
7
22
340
369
1.6%
- UK
22,288
544
404
-
23,236
Non-property SME and corporate
17,474
2,175
757
27
20,433
- Ireland SME
5,799
1,011
495
7,305
- UK SME
1,382
225
78
2
1,687
- Corporate
10,293
939
184
25
11,441
Property and construction
5,985 1,513
549
65
8,112
- Investment
5,418
1,251
519
65
7,253
- Development
567
262
30
859
Consumer
5,421
206
100
5,727
- Motor Lending UK
2,147
58
21
2,226
- Loans UK
1,232
40
24
1,296
- Motor Lending Ireland
821
14
835
-Loans Ireland
681
74
30
785
- Credit Cards Ireland
540
34
11
585
Total
71,778
5,571 3,099
95
80,543
2033265-7623242
9
14
40
63
0.3%
78
353
487
2.4%
39
225
297
4.1%
8
38
49
2.9%
31
90
141
1.2%
42
40
1
9
22223-1668
180
230
2.8%
162
209
2.9%
18
21
2.4%
63
159
2.8%
10
19
0.9%
17
21
80
6.2%
6
9
1.1%
19
34
4.3%
7
17
2.9%
976
2
1,308
1.6%
Bank of Ireland
48View entire presentation