Bank of Ireland Financial Overview
Non-performing exposures by portfolio
Bank of Ireland
Composition (Dec 23)
Advances
(€bn)
Non-performing exposures
(€bn)
Non-performing
exposures as % of
Impairment loss
advances
allowance (€bn)
Impairment loss
allowance as % of
non-performing exposures
Residential mortgages
- Ireland
- UK
Non-property SME and Corporate
- Ireland SME
- UK SME
- Corporate
Property and Construction
- Investment property
- Land and development
Consumer
47.5
0.9
1.9%
0.2
27%
32.3
0.5
1.6%
0.2
30%
15.2
0.4
2.6%
0.1
23%
20.4
1.1
5.4%
0.5
50%
7.1
0.4
4.9%
0.2
67%
1.6
0.1
5.9%
0.1
62%
11.7
0.7
5.6%
0.3
39%
7.2
0.4
5.1%
0.2
68%
6.7
0.3
4.8%
0.2
73%
0.5
0.0
9.1%
0.0
35%
5.8
0.1
2.3%
0.2
136%
- Ireland
2.4
0.1
3.2%
0.1
108%
- UK
3.4
0.1
1.6%
0.1
175%
Total loans and advances to customers
81.0
2.5
3.1%
1.2
49%
Impairment loss
Advances
Composition (Dec 22)
Non-performing exposures
Non-performing
(€bn)
(€bn)
exposures as % of
Impairment loss
allowance (€bn)
allowance as % of
advances
non-performing exposures
Residential mortgages
38.0
0.5
1.3%
- Ireland
22.5
0.3
1.3%
- UK
- Ireland SME
- UK SME
15.5
0.2
1.3%
Non-property SME and Corporate
21.5
1.6
7.3%
7.2
0.6
8.1%
1.6
0.1
7.2%
- Corporate
12.7
0.9
6.9%
Property and Construction
8.2
0.4
5.1%
- Investment property
7.1
0.4
5.7%
- Land and development
1.1
0.0
1.4%
Consumer
5.4
0.1
2.7%
- Ireland
2.2
0.1
3.5%
- UK
3.2
0.1
2.3%
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0.1
30%
0.1
34%
0.0
24%
0.8
50%
0.4
63%
0.1
57%
0.4
40%
0.2
46%
0.2
45%
0.0
83%
0.2
116%
0.1
86%
0.1
147%
Total loans and advances to customers
73.0
2.6
3.6%
1.3
49%
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