Bank of Ireland Q1 2020 IMS Presentation
Diversified balance sheet with improved credit quality
Group loan book - €80.8bn
UK mortgages
€22.4bn
28%
7%
10%
■Consumer
€5.6bn
Property and
construction
€8.3bn
Bank of Ireland Q1 2020 IMS Presentation
Diversified balance sheet with improved credit quality
27%
.
28%
Non-property SME
and corporate
€21.5bn
■ROI mortgages
€23.0bn
Group loan book by stage
■Stage 3
Stage 2
€5.8bn
€3.0bn
POCI
€0.1bn
4%
7%
Mortgage portfolios 56% of Group loan book
Average LTV of 59% on ROI mortgage stock
Average LTV of 63% on UK mortgage stock
>80% of the Group loan book is secured
Non-property SME and Corporate portfolio well diversified by
geography and sector
Property and Construction; 90% comprising Investment
Property
Consumer loans 7% of Group loan book; exit of UK Credit
Cards in 2019
Stage 3 loans 4% of Group loan book
Impairment coverage 33%¹ on Stage 3 loans
Impairment loss allowance of €1.6bn including Q1 COVID-19
management overlay of €250m
See appendix for detailed breakdown of staging
89%
■Stage 1
€71.9bn
1 Figures do not reflect COVID-19 management overlay of €250m
Bank of Ireland
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