Investor Presentaiton
BOI Overview
Income Statement¹
Bank of Ireland Group
y/e Dec 12
(€m)
y/e Dec 13
(€m)
y/e Dec 14
(€m)
y/e Dec 15
(€m)
Jun 16
(€m)
Total income
Net interest income
1,862
2,646
2,974
3,272
1,587
1,755
2,133
2,358
2,454
1,135
Other income
495
642
653
828
470
ELG fees
(388)
(129)
(37)
(10)
(18)
Operating expenses
(1,589)
(1,545)
(1,601)
(1,746)
(890)
Levies and regulatory charges
(49)
(31)
(72)
(75)
(62)
Operating profit pre-impairment
224
1,070
1,301
1,451
635
Impairment charges
(1,769)
(1,665)
(472)
(296)
(95)
Customer loans
(1,724)
(1,665)
(542)
(296)
(93)
AFS
(45)
70
(2)
Share of associates / JVs
46
31
92
46
20
Underlying (loss) / profit before tax
(1,499)
(564)
921
1,201
560
Non core items
(679)
44
(1)
31
(3)
Statutory (loss) / profit before tax
(2,178)
(520)
920
1,232
557
NIM
1.25%
1.84%
2.11%
2.19%
2.11%
Cost income ratio
85%
58%
54%
53%
56%
¹Figures as reported, with the exception of y/e Dec 13 which includes a €5m reduction in operating expenses relating to IFRIC 21 adjustments
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