Bank of Ireland 2020 Debt Investor Presentation
Gross carrying amount
(before impairment loss allowance)
Stage 1
Stage 2
Stage 3
€m
€m
€m
2,076
1,742
82
1,388
926
96
Non-property SME and corporate by stage 1,2
Composition (Dec 20)
Sectoral analysis by stage
Non-property SME and corporate
- Manufacturing
- Administrative and support service activities
Bank of Ireland 2020 Debt Investor Presentation
wi
Impairment loss allowance
ILA %
POCI
Total
Stage 1
€m
€m
€m
Stage 2
€m
Stage 3 POCI
of gross
Total
loans
€m
€m
€m
3,900
19
26
2,436
25
39
- Wholesale and retail trade
1,520
688
141
2,349
19
31
- Accommodation and food service activities
236
1,354
131
1,721
5
46
- Agriculture, forestry and fishing
1,187
352
132
1,671
16
- Human health services and social work activities
727
760
33
1,520
10
- Transport and storage
436
489
69
994
4
- Other services
- Financial and insurance activities
- Real estate activities
- Arts, entertainment and recreation.
- Education
- Other sectors
Total
Composition (Dec 19)
Sectoral analysis by stage
Non-property SME and corporate
- Manufacturing
- Wholesale and retail trade
- Administrative and support service activities
431
370
119
920
3
- Professional, scientific and technical activities
475
216
15
706
7
588
85
23
696
4
308
190
89
587
12
78
389
62
529
1
311
99
1
411
2
876
521
21
1,418
7
10,637
8,181
1,014
26
19,858
134
368
BETDRUCK5757-82
5252502606
36
130
3.3%
13
132
5.4%
127
5.4%
40
91
5.3%
35
67
4.0%
10
75
4.9%
42
69
6.9%
48
66
7.2%
21
3.0%
16
2.3%
35
17
1
57
9.7%
38
7.2%
9
2.2%
33
2.3%
416
13
931
4.7%
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA %
Stage 1
Stage 2
Stage 3
POCI
Total
€m
€m
€m
€m
€m
Stage 1
€m
Stage 2 Stage 3 POCI
Total
of gross
loans
€m
€m
€m
€m
3,963
356
99
2,031
327
129
1,987
142
- Agriculture, forestry and fishing
1,523
127
- Accommodation and food service activities
1,476
193
- Human health services and social work activities
1,018
414
- Transport and storage
902
137
- Other services
778
98
- Financial and insurance activities
662
14
- Professional, scientific and technical activities
597
67
- Real estate activities
435
90
- Arts, entertainment and recreation
364
62
- Education
426
8
- Electricity, gas, steam and air conditioning supply
363
38
- Other sectors
949
102
226220422202-32
4,418
1
2,488
67
25
2,221
94
1
1,745
49
1,718
1,462
08773 4
10
1,085
3
999
19
695
1
9
673
2
585
3
18
444
1
435
1
404
1
10
1,061
3
IOS5655713531-25
41
10
29
16216527
62
1.4%
63
81
3.3%
39
51
2.3%
41
2.3%
19
28
1.6%
41
2.8%
34
42
3.9%
60
6.0%
7
1.0%
10
1.5%
35
6.0%
11
2.5%
1
2
0.5%
2
4
1.0%
7
12
1.1%
Total
17,474 2,175
757
27
20,433
56
78
353
487
2.4%
1 The Non-property SME and corporate portfolio is analysed by NACE code. The NACE code classification system is a pan-European
classification system that groups organisations according to their business activities
Bank of Ireland
2 Exposures to NACE codes totalling less than €400 million are grouped together as 'Other sectors'. The NACE codes reported in the
table above can therefore differ period on period
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