Bank of Ireland 2019 Credit Presentation
Non-performing exposures by portfolio
Bank of Ireland 2019 Credit Presentation
Advances
Composition (Dec 19)
(€bn)
Non-performing
exposures
(€bn)
Non-performing
exposures as %
of advances
Impairment
loss allowance
(€bn)
Impairment loss
allowance as % of
non-performing exposures
Residential Mortgages
46.3
1.9
4.2%
0.4
22%
- Republic of Ireland
23.1
1.5
6.3%
0.3
25%
- UK
23.2
0.5
2.1%
0.1
13%
Non-property SME and Corporate
20.4
0.9
4.3%
0.5
55%
- Republic of Ireland SME
7.3
0.6
7.5%
0.3
54%
- UK SME
1.7
0.1
6.3%
0.0
46%
- Corporate
11.4
0.2
2.0%
0.2
60%
Property and construction
8.1
0.6
7.3%
0.2
39%
- Investment property
7.2
0.6
7.7%
0.2
37%
- Land and development
0.9
0.0
3.8%
0.0
64%
Consumer
5.7
0.1
1.7%
0.2
159%
Total loans and advances to customers
80.5
3.5
4.4%
1.3
37%
Composition (Dec 18)
Advances
(€bn)
Non-performing
exposures
(€bn)
Non-performing
exposures as %
of advances
Impairment
loss allowance
Impairment loss
allowance as % of
(€bn)
non-performing exposures
Residential Mortgages
45.4
- Republic of Ireland
23.7
- UK
21.7
Non-property SME and Corporate
19.5
- Republic of Ireland SME
7.6
- UK SME
1.6
- Corporate
10.3
NNO FOOO
2.8
2.3
0.5
1.2
0.8
0.1
0.3
83528 13
6.0%
0.5
20%
9.5%
0.4
21%
2.3%
0.1
15%
6.2%
0.6
52%
11.2%
0.4
49%
6.1%
0.1
53%
2.6%
0.1
60%
Property and construction
8.3
0.9
11.0%
0.4
45%
- Investment property
7.7
0.8
10.7%
0.4
44%
- Land and development
0.6
0.1
14.0%
0.0
54%
Consumer
5.2
0.1
2.1%
0.2
140%
Total loans and advances to customers
78.4
5.0
6.3%
1.7
35%
Bank of Ireland
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