Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Income statement
Net interest income analysis
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
H2 2019
Average Gross Gross
Volumes Interest Rate
(€bn) (Єm) (%)
H1 2020
Average Gross Gross
Volumes Interest
Rate
(€bn) (€m) (%)
H2 2020
Average Gross Gross
Volumes Interest Rate
(€bn) (€m) (%)
H1 2021
Average Gross
Volumes Interest
(€bn) (€m)
Gross
Rate
(%)
Ireland Loans
33.7
583
3.43%
33.4
561
3.38%
33.0
546
3.29%
32.8
537
3.30%
UK Loans
28.0
393
2.79%
28.5
371
2.62%
27.1
349
2.56%
27.8
350
2.54%
C&T
16.8
312
3.69%
17.4
309
3.57%
16.9
292
3.44%
17.5
296
3.41%
Total Loans and Advances to Customers
78.5
1,288
3.26%
79.3
1,241
3.15%
77.0
1,187
3.07%
78.1
1,183
3.05%
Liquid Assets
23.9
30
0.25%
26.6
16
0.12%
28.7
(5)
(0.03%) 36.8
(39)
(0.21%)
NAMA Sub Debt
0.1
2
5.26%
0.0
1
5.22%
0.0
(-)
0.00%
Total Liquid Assets
24.0
32
0.27%
26.6
17
0.13%
28.7
(5)
(0.03%) 36.8
(39)
(0.21%)
Total Interest Earning Assets
102.5
1,320
2.56%
105.9
1,258
2.36%
105.6
1,183
2.22%
114.9
1,144
2.01%
Ireland Deposits
21.0
(5)
(0.05%)
21.3
(2)
Credit Balances¹
36.6
6
0.03%
39.6
8
UK Deposits
C&T Deposits
18.6
(103)
(1.09%)
18.7
(90)
5.0
(9)
(0.34%)
4.7
(4)
Total Deposits
81.2
(111)
(0.27%)
84.2
(88)
Wholesale Funding²
9.9
(62)
(1.24%)
9.7
(55)
(1.13%)
(0.02%) 21.6
0.04%
43.8
(0.97%) 16.5
(0.16%) 4.2
(0.21%) 86.1
9.1
(-)
(0.00%)
22.2
6
0.05%
12
0.06%
47.1
18
0.08%
(60)
(0.72%)
15.5
(40)
(0.52%)
2
0.09%
3.8
4
0.20%
(46)
(0.11%) 88.7
(12)
(0.03%)
(36)
(0.78%) 14.6
(12)
(0.17%)
Subordinated Liabilities
1.5
(41)
(5.44%)
1.5
(34)
Total Interest Bearing Liabilities
92.6
(214)
(0.46%) 95.4
(177)
(4.61%) 1.4
(0.37%) 96.6
(28)
(4.02%) 1.5
(30)
(3.95%)
(110)
(0.23%) 104.9
(55)
(0.11%)
Other³
(18)
(18)
(20)
(9)
Net Interest Margin as reported
102.5
1,088
2.11%
105.9
1,063
Average ECB Base rate
0.00%
2.02%
0.00%
105.6
1,052
1.98%
114.9
1,080
1.90%
0.00%
0.00%
Average 3 month Euribor
(0.40%)
(0.31%)
(0.50%)
(0.54%)
Average BOE Base rate
0.75%
0.36%
0.10%
0.10%
Average 3 month LIBOR
0.78%
0.35%
0.06%
0.07%
1 Credit balances in H1 2021: ROI €37bn, UK €4.6bn, C&T €5.5bn
2 Includes impact of credit risk transfer transactions executed in Dec 2016, Nov 2017 and Dec 2019
3 Includes IFRS 16 lease expense, interest on certain FVPTL items and adjustments that are of a non-recurring nature such as
customer termination fees
Bank of Ireland
43
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