Bank of Ireland H1 2020 Credit Presentation
Supporting our customers during COVID-19
Customers
Relationship Net Promoter Score (NPS) improved by 10
points from end 2019; reflecting actions taken to support
customers
Over 100k payment breaks approved for personal and
business customers in Ireland and the UK
Residential development lending fund increased by
€0.4bn to €2bn to support homebuilding
Additional €1bn in funding for green mortgages and
loans launched through the Bank of Ireland Sustainable
Finance Fund to support a green recovery
Issued over 50% of all business loans under the
government COVID-19 Working Capital Loan Scheme
since launch
Over £0.2bn of approved new lending to businesses in
the UK through government guarantee schemes
Ready to support €2bn Irish Credit Guarantee Scheme
1 Total approved initial 3 month payment breaks as at 24 July 2020
2 Includes retail business banking property exposures
3 Based upon 3 month expiration / responses from c.75% of Irish customers at 24 July 2020
4 Based upon 3 month expiration / responses from c.54% of UK customers at 24 July 2020
Bank of Ireland H1 2020 Credit Presentation
Payment Breaks
Ireland'
No. of accounts
Exposure
Mortgages Consumer SME²
Total
21k
€3.1bn
8k
€0.1bn
13k
€2.8bn
42k
€6.0bn
% of accounts
% of portfolio
UK1
11%
4%
11%
9%
13%
6%
30%
18%
Mortgages Consumer
SME²
Total
No. of accounts
Exposure
% of accounts
23k
€3.3bn
14%
32k
€0.4bn €0.4bn
8k
63k
€4.1bn
10%
16%
11%
% of portfolio
15%
12%
15%
15%
105k / €10.1bn initial 3 month payment breaks approved
in Ireland (€6.0bn) and the UK (€4.1bn)
Proactively contacting customers with options at the end
of initial 3 month payment break; of those customers
contacted:
-
-
In Ireland, c.54% of mortgage accounts and c.62% of
SME accounts have availed of a 3 month payment break
extension with remainder resuming capital and interest
payments³
In the UK, c.33% of mortgage accounts and less than
10% of consumer accounts have availed of a 3 month
payment break extension with remainder resuming
capital and interest payments4
Bank of Ireland
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