Investor Presentaiton
Asset Quality
Defaulted customer loans & impairment provisions
Bank of Ireland Group
Advances
Composition (Jun 15)
(€bn)
Defaulted Loans
(€bn)
Defaulted Loans
as % of advances
Impairment
Provisions
(€bn)
Impairment
Provisions as % of
defaulted loans
Residential mortgages
53.4
3.3
6.2%
1.5
- Retail Ireland
25.3
2.8
11.1%
1.4
- Retail UK
28.1
0.5
1.8%
0.1
Non-property SME and corporate
20.7
3.1
15.0%
1.6
- Republic of Ireland SME
9.5
2.3
24.3%
1.2
- UK SME
2.6
0.4
13.9%
0.2
- Corporate
8.6
0.4
5.1%
0.2
Property and Construction
15.1
6.8
44.9%
3.9
- Investment
12.5
4.5
35.8%
2.2
- Land and development
2.6
2.3
90.1%
2 2 2 2 2 2G G
44%
48%
24%
52%
52%
46%
59%
57%
48%
1.7
75%
Consumer
3.2
0.1
5.3%
0.1
100%
Total loans and advances to customers
92.4
13.3
14.4%
7.1
53%
Composition (Dec 14)
Advances
(€bn)
Defaulted Loans
(€bn)
Defaulted Loans
as % of advances
Impairment
Provisions
(€bn)
Impairment
Provisions as % of
Residential mortgages
51.0
3.7
7.3%
1.6
Retail Ireland
25.6
3.2
12.6%
1.5
- Retail UK
25.4
0.5
2.0%
0.1
Non-property SME and corporate
20.3
3.3
16.4%
1.7
6529
defaulted loans
43%
46%
23%
51%
- Republic of Ireland SME
9.6
2.5
25.6%
1.3
51%
- UK SME
2.5
0.4
16.9%
0.2
44%
- Corporate
8.2
0.4
5.6%
0.2
54%
Property and Construction
15.2
7.1
46.5%
3.9
56%
- Investment
12.5
4.7
37.2%
2.1
46%
- Land and development
2.7
2.4
89.5%
1.8
74%
Consumer
3.0
0.2
6.4%
0.2
98%
Total loans and advances to customers
89.5
14.3
16.0%
7.4
52%
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