Investor Presentaiton
BOI Overview
Summary Balance Sheet
Bank of Ireland Group
Dec 12
(€bn)
Dec 13
(€bn)
Dec 14
(€bn)
Dec 15
(€bn)
Dec 16
(€bn)
Customer loans¹
93
85
82
85
78
Liquid assets
33
27
25
24
21
BOI Life assets
13
14
16
16
17
Other assets
9
6
7
6
7
Total assets
148
132
130
131
123
Customer deposits
75
74
75
80
75
25
Wholesale funding
39
27
20
14
14
Private Sources
24
19
16
13
11
Monetary Authority/TLTRO
15
8
4
1
3
BOI Life liabilities
13
14
16
16
17
Subordinated liabilities
2
2
2
2
1
Additional Tier 1 instruments
1
1
Other liabilities
10
7
8
10
со
Stockholders' equity
9
8
9
8
9
Total liabilities & Stockholders' equity
148
132
130
131
123
CET1 Core Tier 1 Ratio²
11.1%
10.0%
12.3%
13.3%
14.2%
Total capital ratio²
12.1%
11.3%
15.8%
18.0%
18.5%
Loan to deposit ratio
123%
114%
110%
106%
104%
"Loans and advances to customers is stated after impairment provisions
2CET1/Core Tier 1 and Total Capital ratios are stated under Basel II rules as amended for PCAR requirements for 2012 and under Basel III transitional rules for 2013-2016, all excluding 2009 Prefs
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