Investor Presentaiton
Asset quality continues to improve;
impaired loans and provisions fall in 2016
All 3 PCAR Banks (€bn)
Dec-14
Dec-15
Dec-16
Total Loans
197.1
186.5
168.9
Impaired
43.1
BOI
29.0
21.0
Irish Residential Mortgages
UK Residential Mortgages
(Impaired as % of Total)
21.9%
15.5%
12.4%
Provisions
23.5
14.7
10.4
Irish SMEs
UK SMES
Impaired Loans % (Coverage %) 1 by Bank and Asset
Dec-14 Dec-15 Dec-16
12.6(46) 9.3(52) 6.9(54)
2.0(23) 1.6(22) 1.4(23)
25.6(51) 21.9(52) 17.0(54)
Book (€bn)
24.3
23.9
8.8
(Provisions as % of book)
12.0%
7.9%
Corporate
6.2%
CRE
Investment
16.9(44) 11.1(51) 7.6(53)
5.6(54) 4.6(59) 43.5(63)
37.2(46) 28.5(53) 22.7(57)
1.9
9.3
9.3
(Provisions as % of Impaired)
54.5%
50.6%
49.5%
-
CRE Land/Development
89.5(74)
84.8(76) 69.6(73)
1.0
Consumer Loans
6.4(98)
Loan Asset Mix (three banks Dec 16)
4.1(105) 2.7(94)
3.6
18.2(50)
11.6(56) 8.4(56)
82.4
AIB
Irish Residential Mortgages
22.6(40)
Corporate/S
ME
22%
Mortgage
UK Residential Mortgages
SMES/Corporate
CRE
Consumer Loans
16.6(38) 13.1(44)
11.6(59) 10.8(50) 10.8(46)
21.4(68) 11.5(63) 8.0(60)
56.9(62) 37.4(61) 29.0(53)
27.2(69) 19.9(70) 13.9(58)
33.4
1.8
17.5
9.4
3.1
Consumer
4%
29.2(51)
18.6(47) 14.0(44)
65.2
62%
12%
CRE
PTSB Irish Residential Mortgages
UK Residential Mortgages
Commercial
Consumer Loans
25.5(46) 23.6(49) 23.4(49)
1.5(60) 3.9(39) 0.0(0)
74.0(60) 35.8(69) 29.6(113)
29.7(94) 27.0(93) 22.3(88)
24.5(51) 21.1(49) 23.1(51)
20.7
0
0.2
0.3
21.3
Source: Published bank accounts
Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta
National Treasury Management Agency
1 Total impairment provisions are used for coverage ratios (in parentheses)
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