Investor Presentaiton
BOI Overview
Income Statement¹
Bank of Ireland Group
y/e Dec 11
(€m)
y/e Dec 12
y/e Dec 13
y/e Dec 14
(Єm)
(€m)
(€m)
Jun 15
(6 month) (Єm)
Total income
2,058
1,862
2,646
2,974
1,759
Net interest income
1,983
1,755
2,133
2,358
1,219
Other income
524
495
642
653
545
ELG fees
(449)
(388)
(129)
(37)
(5)
Operating expenses
(1,645)
(1,638)
(1,576)
(1,635)
(875)
Bank levy²
(38)
Operating profit pre-impairment
413
224
1,070
1,301
884
Impairment charge
(1,971)
(1,769)
(1,665)
(472)
(168)
Customer loans
(1,939)
(1,724)
(1,665)
(542)
(168)
AFS3
(32)
(45)
70
Share of associates / JVs
39
46
31
92
27
27
Underlying (loss) / profit before tax
(1,519)
(1,499)
(564)
921
743
Non core items
1,329
(679)
44
(1)
(18)
Statutory (loss) / profit before tax
(190)
(2,178)
(520)
920
725
NIM
1.33%
1.25%
1.84%
2.11%
2.21%
Cost income
79%
88%
60%
55%
50%
*Figures as reported, with the exception of y/e Dec 13 which includes a €5m reduction in operation expenses relating to IFRIC 21 adjustments.
2Irish bank levy is a 3 year levy for 2014 to 2016, that is accounted for in the second half of each year.
³Includes impairment charge and losses on assets sold to NAMA.
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