Investor Presentaiton
Mitigating principal write-down risk
Robust buffer to trigger
Q1, 2020 - Buffer to trigger (FL, %)
16.2%
9.2% RWA
€4.9bn CET1
7.0%
(1)
Pro-forma CET1 ratio
Buffer to trigger
CET1 ratio trigger
AIB
Capital position remains particularly strong with 16.2% CET1
ratio fully loaded (18.6% CET1 ratio transitional) (1) at Q1 2020
Temporary write-down loss absorption mechanism
■ 7.0% CET1 ratio trigger
Distance to trigger 9.2% RWA / €4.9bn CET1 buffer based on fully
loaded Q1 2020 CET1 ratio of 16.2%
On a transitional basis, distance to trigger 11.6% RWA /
€6.2bn CET1 buffer from Q1 2020 CET1 ratio of 18.6%
(1) Pro-forma FL CET1 16.2% and pro-forma Transitional CET1 18.6% both include 90bps indicative TRIM impact for AIB mortgage model and 40bps for cancelled 2019 dividend €217m
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