2022 Interim Results - Debt Investor Presentation
Regulatory Ratios
RWAS
€46.4bn
17.0%
Bank of Ireland 2022 Interim Results - Debt Investor Presentation
Regulatory CET1 ratio
60bps
(25bps)
(35bps)
(30bps)
20bps
(80bps)
(10bps)
RWAS
€47.4bn
16.0%
Dec-21
CRD Phasing
Net organic
capital
Credit
impairment
RWA
Forseeable
distribution
deduction
Pension Other Davy transaction
Jun-22
24
24
Regulatory Capital Metrics
CET1 Ratio
Tier 1 Items/Instruments:
Tier 1 Ratio
Tier 2 Items/Instruments:
CET1
Dec-21
Jun-22
17.0%
2.1%
19.1%
16.0%
2.1%
Tier 1 & Total Capital
18.0%
3.2%
3.2%
Total Capital Ratio¹
Risk Weighted Assets
MREL Ratio
Leverage Ratio
22.3% 21.2%
€46.4bn €47.4bn
31.4% 32.4%
6.6%
MREL
Movement in Regulatory CET1 ratio broadly aligned with
movement in fully loaded ratios
Tier 1 and Tier 2 buckets in excess of regulatory requirements;
future issuance influenced by market conditions and
refinancing/ growth
MREL eligible senior debt issuance of c.€1bn in H1 2022; within
c.€1bn - €2bn p.a. issuance guidance
6.3%
MREL ratio of 32.4% at Jun 2022
1 On 24 August 2022, the Group announced that it will redeem two Tier 2 instruments ($500m and £300m) in full on 19 September 2022
Bank of IrelandView entire presentation