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%
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