HY23 Interim Results Announcement
Business line performance
Irish Residential
Mortgages
+6%'
Irish mortgage loan book growth
(ex KBCI portfolio)
☐ ☐
Bank of Ireland
Commercially disciplined pricing decisions while market
share grew to 41% (H122 24%)
Everyday
Banking
+5% y/y
Fee income growth
Increased customer activity combined with €2.6bn growth
(vs end Dec 22) in Retail Ireland customer balances driving
higher current account fee income
Wealth and
Insurance
Business &
Corporate
€1.2bn
AUM net inflows
(+28% y/y)
+6% y/y
Irish Business Banking and
Corporate² new lending
Strong net inflows supporting AUM growth (€42bn, +7% vs
end Dec 22) despite market backdrop
Good Irish performance; cautious approach to international
lending and commercial property given uncertain outlook
Retail UK
1 Annualised net book growth
2 Excluding property and construction lending
£117m
PBT
888
Value over volume strategy increasing returns from
higher NIM (+32bps) and smaller balance sheet
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