Bank of Ireland 2020 Debt Investor Presentation
Balance Sheet
Bank of Ireland 2020 Debt Investor Presentation
Dec 2019
Dec 2020
(€bn)
(€bn)
Customer loans
Liquid assets
Other assets
Total assets
79
77
27
31
26
26
Funding & Liquidity
LDR reduced from 95% to 86% on foot of reduction in
customer loans and growth in customer deposits
Growth in customer deposits reflected in c.€4bn increase
in liquid assets
LCR increased from 138% to 153%
132
134
•
Customer deposits
NSFR increased from 131% to 138%
84
89
Wholesale funding
11
9
Shareholders' equity
10
9
•
Other liabilities
27
27
Total liabilities
132
134
TNAV per share
€8.21
€7.32
•
0.85
Closing EUR/GBP FX rates
•
Dec 2019 Dec 2020
Liquidity Coverage Ratio
138%
153%
Net Stable Funding Ratio
Loan to Deposit Ratio
131%
138%
95%
86%
.
TNAV decreased to €7.32
0.90
Customer deposits: €88.6bn
Growth of €4.6bn principally due to the impact of
COVID-19 restrictions and lower consumer spending
Wholesale Funding
Reduction of €2bn in wholesale funding as maturities
funded from liquid assets
MREL requirements primary driver of new wholesale
funding
Tangible Net Asset Value
Bank of Ireland
22
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