Investor Presentaiton
Capital ratios strengthened as banks slimmed down and
consolidated
CET 1 Capital Ratios (Dec-16)
Loan-to-Deposit Ratios have fallen significantly as
loan books have been slimmed down
20%
200
18%
180
160
16%
140
14%
120
12%
100
10%
80
19.0%
17.2%
8%
60
15.3%
14.2%
14.9%
40
6%
12.3%
20
4%
2%
0%
CET1% (Transitional)
CET1% (Fully Loaded)
AIB BOI
PTSB
Source: Published bank accounts
Loan-to-
Deposit %
Loans (€bn)
Loan-to-
Deposit %
Loans (€bn)
AIB
BOI
■Dec-10 Dec-16
Source: Published bank accounts
Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta
National Treasury Management Agency
Note: "Transitional" refers to the transitional Basel III required for CET1 ratios which came into effect 1 January 2014.
"Fully loaded" refers to the actual Basel III basis for CET1 ratios.
* The fully loaded CET1 ratios exclude the 2009 preference shares.
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