Bank of Ireland 2020 Interim Results
Strong capital position
40bps
(65bps)
RWAS
€49.9bn
45bps
13.8%
Fully loaded CET1 ratio
Impairment
EL offset
(190bps)
90bps
RWA reduction 35bps
Net impact (65bps)
Bank of Ireland 2020 Interim Results
(15bps)
(15bps)
(60bps)
40bps
10bps
RWAS
€47.6bn
(20bps)
Regulatory capital
demand
13.6%
Dec 19
Pre-impairment
organic capital
generation¹
2019 Dividend
Credit
deterioration
Loan Growth/
RWA²
Transformation
investment
Definition of
Default / IRB
models
SME supporting
factor
Other / Pension
Jun 20
Headroom to 2020 CET1 regulatory capital requirements
2020 Regulatory
Requirements
(excl. P2G)
13.6%
Jun-20 Fully Loaded
CET1 Ratio
9.27%
14.9%
Jun-20 Regulatory
CET1 Ratio
c.560bps
headroom
Strong capital position
•
Fully loaded CET1 ratio +10bps since Q1 2020
Regulatory CET1 ratio +50bps since Q1 2020
2% reduction in RWA density
Outlook
2020 regulatory CET1 ratio to remain above 13.5%
•
No dividend deduction assumed for 2020
1 Pre-impairment organic capital generation primarily consists of attributable profit excluding impairment and movements in
regulatory deductions
2 Loan Growth / RWA movements from net loan growth, changes in asset quality and book mix and movements in other RWAS
Bank of Ireland
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