Investor Presentaiton
Loans and advances to customers
Continued growth in core loan books
New lending volumes
+16%
+12%
€3.5bn
€3.0bn
€2.8bn
€2.5bn
Irish business¹
UK business
+5%
€0.57bn €0.60bn
Acquisition Finance
E H1 2015 I H1 2016 H1 2016 vs H1 2015
Net lending growth
ROI trackers
€0.5bn
Defaulted loans
GB non-core business
€0.5bn
€0.3bn
€0.5bn
Irish business
€0.5bn
€0.1bn Acquisition Finance
UK business
Bank of Ireland Group
Core loan books grew by €1.1bn in H1 2016
New lending of €6.9bn during H1 2016; an increase of
14% on H1 2015
Redemptions of €7.1bn, of which €1.3bn related to;
Cash payments on defaulted loans of €0.5bn
Low yielding ROI mortgage trackers redemptions
of €0.5bn
GB non-core business banking redemptions of €0.3bn
Customer loans decreased by c.€4.5bn to €80.2bn
(Primarily due to FX translation impact of €4.3bn)
Good pipeline at end H1 2016; we will maintain
appropriate caution and focus on pricing
Excludes portfolio acquisitions (H1 2015 - €0.5bn; H1 2016 - €0.1bn)
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