Investor Presentaiton slide image

Investor Presentaiton

Income Statement Net interest income analysis Bank of Ireland Group H2 2014 H1 2015 H2 2015 H1 2016 Average Gross Gross Volumes Interest Rate (€bn) (€m) (%) Average Gross Gross Volumes Interest Rate (€bn) (Єm) (%) (€bn) Average Gross Volumes Interest (€m) Gross Rate (%) Average Gross Gross Volumes Interest Rate (€bn) (€m) (%) Ireland Loans 38.2 617 3.21% 37.1 593 3.22% 36.8 589 3.17% 36.5 552 3.04% UK Loans 34.0 638 3.72% 35.6 656 3.71% 36.4 661 3.60% 33.5 580 3.48% C&T Loans 11.3 246 4.30% 11.9 253 4.31% 12.4 252 4.04% 12.6 253 4.05% Total Loans & Advances to 83.5 1,501 3.56% 84.6 1,503 3.58% 85.6 1,502 3.49% 82.6 1,385 3.37% Customers Liquid Assets 24.4 1921 1.56% 24.3 1481 1.23% 22.4 1151 1.02% 22.5 921 0.82% Total Interest Earning Assets 107.9 1,693 3.11% 108.8 1,651 3.06% 108.0 1,617 2.97% 105.1 1,477 2.83% Ireland Deposits 22.9 (89) (0.77%) 21.9 (48) (0.44%) 22.0 (33) (0.30%) 22.1 (26) (0.24%) Credit Balances² 18.0 (1) (0.01%) 20.8 (1) (0.01%) 22.4 (1) (0.01%) 23.8 (1) (0.01%) UK Deposits C&T Deposits 23.3 (158) (1.34%) 25.9 (158) (1.23%) 9.3 (45) (0.97%) 8.8 (33) (0.76%) 25.6 (161) 8.3 (1.25%) 24.6 (154) (1.26%) Total Deposits 73.4 (293) (0.79%) 77.5 (240) (0.62%) 78.4 (27) (223) (0.65%) 7.7 (21) (0.55%) (0.56%) 78.2 (202) (0.52%) Wholesale Funding 20.4 (113) (1.10%) 18.1 (101) (1.13%) 14.3 (72) Subordinated Liabilities. 2.5 (90) (7.14%) 2.5 (91) (7.34%) 2.4 (88) (1.00%) (7.32%) 13.6 (49) (0.71%) 2.4 (91) (7.72%) Total Interest Bearing Liabilities 96.3 (496) (1.03%) 98.1 (432) (0.89%) 95.1 (383) (0.80%) 94.2 (342) (0.73%) IFRS Income Classification Net Interest Margin 107.9 (26) 1,171 (29) (54) (33) 2.15% 108.8 1,190 2.21% 108.0 1,180 2.17% 105.1 1,102 2.11% Average 3 month Euribor in the period Average ECB base rate in the period Average BOE base rate in the period *Excludes any additional gains from portfolio re-configuration during the period 2Credit balances in H1 2016: ROI €19.5bn, UK €3.1bn and Corporate €1.2bn 0.12% 0.02% (0.06%) (0.22%) 0.09% 0.05% 0.05% 0.02% 0.50% 0.50% 0.50% 0.50% 30
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