2021 Interim Results - Debt Investor Presentation
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Strong accretion in capital ratios
Fully Loaded CET1 ratio
RWAS
€48.0bn
15bps
90bps
13.4%
(25bps)
RWAs
€48.9bn
(30bps)
20bps
14.1%
Dec 20
Organic Capital¹
NPE transaction
Loan Growth/ RWA²
Transformation
investment
Other Pension
Jun 21
Headroom to 2021 CET1 regulatory capital requirements
15.3%
2021 regulatory
requirements
(excl. P2G)
14.1%
9.77%
Jun 21 Fully Loaded
CET1 Ratio
Jun 21 Regulatory
CET1 Ratio
c.550bps
headroom
•
•
Strong capital position driven by organic capital generation
Capital supported by growth in operating profit, a minimal
impairment charge and NPE transaction
Fully Loaded CET1 ratio grew by 70bps
RWAS increased by €0.9bn, primarily from higher corporate
lending
RWA density on mortgage lending lower; total loan book
density unchanged on mix effects
1 Pre-impairment organic capital generation primarily consists of attributable profit excluding impairment and movements
in regulatory deductions
2 Loan growth / RWA movements from changes in loan book mix, asset quality and movements in other RWAS
Bank of Ireland
22
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