Investor Presentaiton
Capital ratios strengthened in last 10 years
Bank's balance sheets contracted and consolidated since GFC
CET 1 capital ratios allow for ample forbearance in 2022
Loan-to-deposit ratios have fallen significantly as loan books
were slashed - euro area average LTD ratio is c. 85%
17%
200
180
160
16%
140
120
100
80
15%
16.6%
60
16.0% 16.1%
40
15.5%
15.3%
20
14%
14.7%
13%
CET1 % (Transitional)
CET1 % (Fully Loaded)
AIB BOI PTSB
Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta
National Treasury Management Agency
Source: Published bank accounts
Loan-to-
Deposit %
Loans (€bn)
Loan-to-
Deposit %
Loans (€bn)
AIB
BOI
Dec-10
Dec-22
Note: "Fully loaded" CET1 ratios used. Refers to the actual Basel III basis for CET1 ratios.
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