Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Regulatory Ratios
RWAs
€48.4bn
14.9%
(25bps)
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Regulatory CET1 ratio
15bps
75bps
(20bps)
RWAS
€49.1bn
(25bps)
20bps
15.3%
+
Dec 20
CRD Phasing
Organic capital
NPE Disposal
Loan growth/
RWA
Transformation
investment
Other / Pension
Jun 21
Regulatory Capital Metrics
Dec 20
Jun 21
CET1
CET1 Ratio
Tier 1 Items/Instruments:
14.9%
15.3%
Movement in CET1 ratio broadly aligned with movement
in fully loaded ratios
2.0%
2.0%
Tier 1 Ratio
16.9%
17.3%
Tier 1 & Total Capital
Tier 2 Items/Instruments:
2.3%
3.2%
Total Capital Ratio¹
19.2%
20.5%
Risk Weighted Assets
MREL Ratio
Leverage Ratio
7.1%
€48.4bn €49.1bn
24.6% 27.6%
6.5%
MREL
No change in Tier 1 bucket during H1 2021
Tier 2 bucket increased to 3.2% during H1 2021
supported by Green Tier 2
Senior debt issuance of c.€800m during H1 2021
MREL ratio of 27.6% based on RWA at Jun 2021
Bank of Ireland
1 Further to EBA Q&A 2017_3329 the calculation of the Total Capital ratio is stated after a prudent application of the requirements
of Article 87 of CRR. The application of the requirements of Article 87 by SSM banks is under review by the ECB
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