2019 Interim Results Credit Presentation
Non-performing exposures by portfolio
2019 Interim Results Credit Presentation
Advances
Non-performing
Non-performing
Composition (Jun 19)
(€bn)
exposures
(€bn)
exposures as %
of advances
Impairment
loss allowance
(€bn)
Impairment loss
allowance as % of
non-performing exposures
Residential Mortgages
44.8
2.3
5.0%
0.5
23%
- Republic of Ireland
23.2
1.8
7.6%
0.4
25%
- UK
21.6
0.5
2.2%
0.1
16%
Non-property SME and Corporate
20.3
1.1
5.5%
0.6
52%
- Republic of Ireland SME
7.5
0.7
9.3%
0.4
51%
- UK SME
1.6
0.1
6.8%
0.0
41%
- Corporate
11.2
0.3
2.7%
0.2
58%
Property and construction
8.5
0.7
8.4%
0.3
46%
- Investment property
7.7
0.6
8.6%
0.3
45%
- Land and development
0.8
0.1
6.6%
0.0
57%
Consumer¹
5.7
0.1
2.1%
0.2
139%
Total loans and advances to customers
79.3
4.2
5.3%
1.6
38%
Non-performing
Advances
Composition (Dec 18)
exposures
(€bn)
(€bn)
Non-performing
exposures as %
of advances
Impairment
loss allowance
Impairment loss
allowance as % of
(€bn)
non-performing exposures
Residential Mortgages
45.4
- Republic of Ireland
23.7
- UK
21.7
Non-property SME and Corporate
19.5
- Republic of Ireland SME
7.6
- UK SME
1.6
Consumer
- Corporate
Property and construction
- Investment property
- Land and development
Total loans and advances to customers
10.3
8.3
7.7
NNO FOOOOO
2.8
2.3
0.5
1.2
0.8
0.1
0.3
835283
6.0%
0.5
20%
9.5%
0.4
21%
2.3%
0.1
15%
6.2%
0.6
52%
11.2%
0.4
49%
6.1%
0.1
53%
2.6%
0.1
60%
0.9
11.0%
0.4
45%
0.8
10.7%
0.4
44%
0.6
0.1
14.0%
0.0
54%
5.2
0.1
2.1%
0.2
140%
78.4
5.0
6.3%
1.7
35%
1 Includes UK Credit Card portfolio €0.6bn classified as held for sale as at June 2019. Sale completed in mid July 2019
Bank of Ireland
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