Investor Presentaiton
48
48
Portfolio by stage
Composition (Jun 21)
Sectoral analysis by stage
Residential Mortgages
- Republic of Ireland
- UK
Non-property SME and corporate
Republic of Ireland SME
- UK SME
- Corporate
Property and construction
- Investment
- Development
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Gross carrying amount
Impairment loss allowance
ILA %
(before impairment loss allowance)
Stage 1
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2
Stage 3
of gross
POCI
Total
loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
€m
37,734 4,819
1,920
18,003 3,187
19,731
1,159
1,632
761
-
11,383 7,786
1,156
13
223
44,475
27
117
378
522
1.2%
22,351
11
87
318
416
1.9%
22,124
16
30
60
106
0.5%
20,338
70
401
387
858
4.2%
3,449 2,862
666
6,977
34
216
238
488
7.0%
1,072
642
113
1,827
6
38
32
76
4.2%
6,862
4,282
377
13
11,535
30
147
117
294
2.5%
2,814
5,019
1,051
63
8,947
4
106
430
19
559
6.2%
2,221
4,565
1,015
63
7,864
3
96
413
19
531
6.8%
593
454
36
1,083
1
10
17
28
2.6%
Consumer
4,937
155
135
5,225
90
26
76
192
3.7%
- Motor Lending UK
1,750
47
30
1,827
8
3
13
24
1.3%
- Loans UK
1,314
47
42
1,403
61
18
32
111
7.9%
783
19
802
7
7
14
1.7%
- Motor Lending Ireland
- Loans Ireland
688
54
30
771
12
4
17
33
4.3%
- Credit Cards Ireland
402
7
14
422
2
1
7
10
2.4%
Total
56,868
17,779
4,262
78
78,987
191
650
1,271
19
2,131
2.7%
Composition (Dec 20)
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA %
Sectoral analysis by stage
Stage 1
Residential Mortgages
- Republic of Ireland
- UK
20,464
Stage 2
€m
€m
40,016 2,528
19,552 1,880 1,508
648
688
Stage 3
POCI
Total
Stage 1
Stage 2
Stage 3
POCI
Total
of gross
loans
€m
€m
€m
€m
€m
€m
€m
€m
2,196
2
44,742
74
31
374
479
1.1%
2
22,942
44
20
329
393
1.7%
21,800
30
11
45
86
0.4%
Non-property SME and corporate
10,637
8,181
1,014
19,858
134
368
416
13
931
4.7%
- Republic of Ireland SME
4,155 2,246
672
7,073
96
144
261
-
501
7.1%
-Loans Ireland
- UK SME
- Corporate
Property and construction
- Investment
- Development
Consumer
- Motor Lending UK
- Loans UK
- Motor Lending Ireland
- Credit Cards Ireland
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%
282
642
34
958
2
23
15
40
4.2%
4,961
165
145
5,271
129
27
80
236
4.5%
1,798
71
31
1,900
10
5
13
28
1.5%
1,295
43
42
1,380
90
17
32
139
10.1%
751
-
22
773
8
-
8
16
2.1%
678
42
33
753
18
4
17
39
5.2%
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%
Bank of IrelandView entire presentation