2022 Interim Results - Debt Investor Presentation
Bank of Ireland 2022 Interim Results - Debt Investor Presentation
Capital - Strong fully loaded and regulatoryank
CET1 ratios
Capital ratios - 30 June 2022
Total equity
Less Additional Tier 1
Deferred tax¹
Intangible assets and goodwill
Foreseeable dividend
Expected loss deduction
Pension Fund Asset
IFRS 9 Regulatory Add-back
Other items²
Common Equity Tier 1 Capital
Credit RWA
Operational RWA
Market, Counterparty Credit Risk and Securitisations
Other Assets / 10% / 15% threshold deduction
Total RWA
Common Equity Tier 1 ratio
Total Capital ratio
Leverage ratio
Phasing impacts on Regulatory ratio
Regulatory ratio Fully loaded ratio
(€bn)
(€bn)
12.0
12.0
(1.0)
(1.0)
(0.8)
(1.1)
(0.9)
(0.9)
(0.1)
(0.1)
(0.0)
(0.0)
(1.2)
(1.2)
0.0
0.0
(0.4)
(0.4)
7.6
7.3
36.0
36.0
4.6
4.6
2.6
2.6
4.2
4.1
47.4
47.3
16.0%
15.5%
21.2%
20.7%
6.3%
6.1%
Deferred tax assets - certain DTAs are deducted at a rate of 80% for 2022, increasing annually at a rate of 10% thereafter until 2024
• IFRS 9 - the Group has elected to apply the transitional arrangement. The transitional arrangement allows a 75% add-back in 2022
decreasing to 50% and 25% in subsequent years. The IFRS 9 add-back to the regulatory ratios is €22m at Jun 22 (Dec 21: €151m)
1 Deferred tax assets due to temporary differences are included in other RWA with a 250% risk weighting applied
2 Other items includes other capital deductions, principal ones being prudential valuation adjustment, 10% / 15% deduction and
calendar provisioning deduction
Bank of Ireland
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