IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis
Non-performing exposures by portfolio
Bank of Ireland
Composition (Jun 23)
Residential Mortgages
Advances
(€bn)
Non-performing exposures
(€bn)
Non-performing
exposures as % of
Impairment loss
advances
allowance (€bn)
Impairment loss
allowance as % of
non-performing exposures
46.7
0.9
1.9%
0.2
23%
- Republic of Ireland
- UK
Non-property SME and corporate
- Republic of Ireland SME
- UK SME
- Corporate
Property and construction
- Investment
- Land and development
Consumer
31.2
0.6
1.7%
0.1
23%
15.5
0.4
2.5%
0.1
23%
21.2
1.5
6.9%
0.8
52%
7.3
0.5
7.2%
0.3
63%
1.7
0.1
7.0%
0.1
60%
12.3
0.8
6.6%
0.4
43%
7.9
0.4
5.0%
0.2
43%
7.0
0.4
5.5%
0.2
42%
1.0
0.0
2.0%
0.0
49%
5.9
0.2
2.9%
0.2
117%
- Republic of Ireland
2.3
0.1
3.7%
0.1
90%
- UK
3.6
0.1
2.4%
0.1
114%
Total loans and advances to customers
81.8
2.9
3.6%
1.4
45%
Impairment loss
Advances
Composition (Dec 22)
Non-performing exposures
Non-performing
(€bn)
(€bn)
exposures as % of
Impairment loss
allowance (€bn)
allowance as % of
advances
non-performing exposures
Residential Mortgages
38.0
0.5
1.3%
- Republic of Ireland
22.5
0.3
1.3%
- UK SME
- UK
- Republic of Ireland SME
- Corporate
Property and construction
- Investment
- Land and development
15.5
0.2
1.3%
Non-property SME and corporate
21.5
1.6
7.3%
7.2
0.6
8.1%
1.6
0.1
7.2%
12.7
0.9
6.9%
8.2
0.4
5.1%
7.1
0.4
5.7%
1.1
0.0
1.4%
Consumer
5.4
0.1
2.7%
- Republic of Ireland
2.2
0.1
3.5%
- UK
3.2
0.1
2.3%
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0.1
30%
0.1
34%
0.0
24%
0.8
50%
0.4
63%
0.1
57%
0.4
40%
0.2
46%
0.2
45%
0.0
83%
0.2
116%
0.1
0.1
86%
147%
Total loans and advances to customers
73.0
2.6
3.6%
1.3
49%
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