IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis
Bank of Ireland
1,2
Non-property SME and Corporate by stage"
Composition (Jun 23)
Sectoral analysis by stage
Non-property SME and corporate
- Manufacturing
- Administrative and support service activities
Gross carrying amount
Impairment loss allowance
ILA % of
Stage 1
€m
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2
Stage 3
POCI
Total
gross loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
3,134
1,347
335
4,816
12
42
105
159
3.3%
2,473
665
134
3,272
11
26
61
98
3.0%
- Wholesale and retail trade
1,793
455
80
2,328
6
10
41
57
2.4%
- Accommodation and food service activities
746
630
178
1,555
3
9
48
3.9%
- Agriculture, forestry and fishing
1,328
283
99
1,710
9
11
41
3.6%
- Human health services and social work activities
836
414
222
1,472
18
40
4.2%
- Other services
641
152
79
872
7
36
45
5.2%
- Transport and storage
574
156
103
833
5
54
7.3%
- Financial and insurance activities
747
62
4
813
3
2
0.7%
- Real estate activities
- Professional, scientific and technical activities
372
201
91
664
9
49
9.3%
535
205
33
773
3
6
27
36
4.7%
- Electricity, gas, steam and air conditioning supply
451
54
5
510
1
2
3
1.2%
- Education
- Other sectors
Total
Composition (Dec 22)
Sectoral analysis by stage
Non-property SME and corporate
- Manufacturing
- Administrative and support service activities
356
87
1
444
1
5
1
7
1.6%
788
332
62
1,182
2
10
20
32
2.7%
14,774
5,043
1,426
1
21,244
61
163
528
752
3.5%
Gross carrying amount
Impairment loss allowance
ILA % of
Stage 1
€m
Stage 2
€m
Stage 3
€m
POCI
Total
€m
€m
Stage 1
€m
Stage 2
Stage 3
POCI
Total
gross loans
€m
€m
€m
€m
3,388
1,114
320
4,822
2,544
428
161
16
3,149
- Wholesale and retail trade
1,713
395
77
2,185
- Agriculture, forestry and fishing
1,282
350
100
1,732
- Accommodation and food service activities
608
794
195
1,597
- Human health services and social work activities
880
444
199
1,523
- Financial and insurance activities
921
40
10
971
- Transport and storage
- Other services
562
165
107
834
- Professional, scientific and technical activities
643
154
32
829
579
91
97
767
- Real estate activities
390
246
98
734
127033-2325
11
36
127
174
3.6%
17
67
2
98
3.1%
10
43
60
2.7%
11
40
61
3.5%
16
56
75
4.7%
17
40
60
3.9%
3
5
0.9%
43
51
6.1%
5
21
29
3.5%
25
33
4.3%
9
49
63
8.6%
- Education
418
51
1
470
1
1.1%
- Arts, entertainment and recreation.
241
142
47
430
1
8
18
27
6.3%
- Other sectors
1,084
251
90
1,425
3
7
28
38
2.7%
Total
15,253
4,665
1,534
16
21,468
65
153
563
2
783
3.6%
1 The Non-property SME and corporate portfolio is analysed by NACE code. The NACE code classification system is a pan-European classification system that groups organisations according to their business activities
2 Exposures to NACE codes totalling less than €400 million are grouped together as 'Other sectors'. The NACE codes reported in the table above can therefore differ period on period
42View entire presentation