Q1 2020 IMS Presentation
Loans and advances to customers - Staging¹
Bank of Ireland Q1 2020 IMS Presentation
Stage 1 -
12 month ECL
Stage 2 -
Lifetime ECL
Composition (Mar 20)
(not credit
(not credit
impaired)
(€bn)
impaired)
(€bn)
Stage 3 -
Lifetime ECL
(credit
impaired)
(€bn)
Purchased/
Originated
Credit
Impaired
(€bn)
Total
Total
(€bn)
(%)
Residential Mortgages
42.0
1.8
1.6
Republic of Ireland
20.6
1.1
1.3
UK
21.4
0.7
0.3
Non-Property SME and Corporate
18.3
2.4
0.8
Republic of Ireland SME
5.8
1.0
0.5
UK SME
1.3
0.2
0.1
Corporate
Property and Construction
Investment Property
Land and Development
Consumer
11.2
1.2
0.2
6.3
1.4
0.5
5.7
1.2
0.5
0.6
0.2
0.0
5.3
0.2
0.1
Republic of Ireland Loans
0.7
0.1
0.0
UK Loans
1.2
0.0
0.1
Republic of Ireland Credit Cards
0.4
0.0
0.0
63385-2550-OTO
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
Republic of Ireland Motor
0.8
0.0
0.0
0.0
UK Motor
2.2
0.1
0.0
0.0
42272820507002
45.4
23.0
22.4
21.5
7.3
1.6
12.6
8.3
7.5
0.8
5.6
0.8
1.3
0.4
0.8
2.3
4045366358 683 48 3
56%
28%
28%
27%
9%
2%
16%
10%
9%
1%
7%
1%
2%
0%
1%
3%
Total loans and advances to customers
71.9
5.8
3.0
0.1
80.8
100%
Impairment loss allowance¹
0.1
0.2
1.0
0.0
1.3
Impairment coverage %1
0.1%
3.4%
33.3%
0.0%
1.6%
1 Figures do not reflect COVID-19 management overlay of €250m
Bank of Ireland
19View entire presentation