IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis
25%
སྠཽ ༔ སྠཽ ཎྱོ ཚོ ཙོ
BOI - ROI
Mortgages
Bank 7
BOI - UK
Mortgages
Bank 3
Bank 6
Bank 10
Bank 4
IRB RWA: Domestic Mortgage Lending4
EBA Transparency Exercise 20221
Bank of Ireland's IRB RWA density across major loan portfolios exceeds a wide distribution of European peers
IRB RWA: SME Lending²
IRB RWA: Corporate Lending³
80%
90%
70%
80%
60%
70%
50%
60%
40%
50%
30%
40%
30%
20%
20%
10%
10%
0%
0%
Bank Bank
1
2
BOI
Bank
3
Bank Bank Bank
4
5
6
Bank Bank
7
Bank
8
9
Bank Bank
10
11
BOI Bank
1
Bank
6
Bank Bank Bank Bank Bank
8
4
2
5
9
Bank
3
Bank
7
Bank
10
Bank
11
Bank 1
Bank 2
Bank 9
Bank 8
Bank 5
Bank 11
1 Charts represent 30 June 2022 figures published by the EBA for ABN AMRO, Banco Comercial Português, Groupe BPCE, CaixaBank, Commerzbank, Danske Bank, DNB Bank ASA, Erste Group, Intesa Sanpaolo, KBC Group, Svenska Handelsbanken
2 Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Corporates - Of Which SME" at 30 June 2022
3 Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Corporates - Excluding SME & Specialised Lending" at 30 June 2022
4 Credit Risk IRB Approach Risk Exposure Amount divided by Exposure Value for "Retail - Secured on Real Estate Property - SME" and "Retail - Secured on Real Estate Property - Non SME" at 30 June 2022
5 "Leverage Ratio - Using a transitional definition of Tier 1 Capital" at 30 June 2022
Leverage Ratio (Regulatory Basis)5
7%
6%
5%
4%
3%
2%
1%
0%
Bank BOI
4
7
1
3
2
Bank Bank Bank Bank Bank Bank Bank Bank
9
Bank
Bank
8
11
10
6
5
24
Bank of IrelandView entire presentation