Bank of Ireland 2022 Interim Results
Portfolio by stage
Composition (Jun-22)
Bank of Ireland 2022 Interim Results
Gross carrying amount
Impairment loss allowance
ILA %
(before impairment loss allowance)
Sectoral analysis by stage
Residential Mortgages
- Ireland
- UK
Stage 1
€m
Stage 2
Stage 3
POCI
Total
€m
€m
€m
€m
37,278 1,832
1,606
4
40,720
20,141 1,304
884
4
22,333
17,137
528
722
18,387
- UK SME
- Corporate
- Investment
Non-property SME and corporate
- Ireland SME
Property and construction
15,612 4,475
1,530
16
21,633
4,721
1,819
684
7,224
1,298
293
128
1,719
9,593 2,363
718
16
12,690
4,166
3,710
768
62
8,706
3,525 3,285
740
62
7,612
- Development
Consumer
641
425
28
1,094
5,129
233
133
5,495
- Motor Lending UK
1,844
48
25
1,917
- Loans UK
1,370
46
40
1,456
- Motor Lending Ireland
771
-
24
795
- Loans Ireland
684
123
31
838
- Credit Cards Ireland
- Other (fair value adjustment)
Total
460
16
13
489
BOREDORT263526002
Stage 1
€m
Stage 2
Stage 3
of gross
POCI
Total
loans
€m
€m
€m
€m
54
433
1
511
1.3%
13
43
351
1
408
1.8%
10
11
82
103
0.6%
205
500
3
768
3.6%
38
102
269
409
5.7%
4
13
26
43
2.5%
18
90
205
3
316
2.5%
9
58
352
25
444
5.1%
47
345
25
423
5.6%
11
7
21
1.9%
45
37
73
155
2.8%
7
4
11
22
1.1%
21
30
73
5.0%
8
14
1.8%
8
10
15
33
3.9%
2
9
13
2.7%
(400)
(400)
-0.0%
61,785
10,250
4,037
82
76,154
137
354
1,358
29
1,878
2.5%
Composition (Dec-21)
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA %
Sectoral analysis by stage
Stage 1
Residential Mortgages
- Ireland
- UK
Non-property SME and corporate
€m
38,708 2,779 1,773
19,573 1,776 1,047
19,135 1,003 726
14,430 5,100 1,305
Stage 2
€m
Stage 3
€m
POCI
Total
Stage 1
Stage 2
Stage 3
POCI
Total
of gross
loans
€m
€m
€m
€m
€m
€m
€m
2
43,262
28
60
416
504
1.2%
2
22,398
17
47
362
426
1.9%
-
20,864
11
13
54
78
0.4%
15
20,850
67
247
439
2
755
3.6%
- Ireland SME
4,258
2,076
680
7,014
39
136
258
433
6.2%
- UK SME
1,161
450
137
1,748
4
16
30
50
3.0%
- Corporate
- Investment
9,011 2,574
488
15
12,088
Property and construction
3,280 4,299
970
64
8,613
2,596
3,953
939
64
7,552
- Development
684
346
31
1,061
Consumer
4,863
229
137
5,229
- Motor Lending UK
1,731
46
26
1,803
- Loans UK
1,297
48
43
1,388
- Motor Lending Ireland
720
27
747
-Loans Ireland
653
122
30
805
- Credit Cards Ireland
462
13
11
486
2064572022
95
151
2
272
2.3%
10
78
416
23
527
6.1%
71
408
23
508
6.7%
7
8
19
1.8%
31
76
172
3.3%
3
11
21
1.2%
39
19
33
91
6.6%
8
9
17
2.3%
9
7
16
32
4.0%
2
7
11
2.3%
Other (fair value adjustment)
(76)
(76)
0.0%
Total
61,205
12,407
4,185
81
77,878
170
416
1,347
25
1,958
2.5%
Bank of Ireland
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