Bank of Ireland 2020 Debt Investor Presentation
Macro-economic conditions, outlook and loss
experience driving stage migration
€80.5bn¹
€3.1bn
€5.6bn
Gross loans by stage
•
€78.5bn¹
€4.5bn
Bank of Ireland 2020 Debt Investor Presentation
1.6%
€71.8bn
Dec 19
Stage 1 Stage 2 Stage 3¹
ILA movement
€15.8bn
€58.2bn
Dec 20
•
2.9%
€366m
€568m
€2,242m
Stage migration and stock of ILA
€10.2bn increase in Stage 2 loans since 2019 reflecting
deteriorated macro-economic outlook
-
-
Non-property SME and corporate portfolio Stage 2
loans increased €6bn
Property and construction Stage 2 loans increased
€3.4bn
Residential mortgages Stage 2 loans increased €0.8bn
Stage 3 loans of €4.5bn; increase of €1.3bn since 2019
€0.9bn increase on implementation of new Definition
of Default; remainder primarily from credit migration
in corporate and property portfolios
ILA increased by €0.9bn to €2.2bn since 2019
-
€0.57bn increase on performing loan books
€0.37bn increase in Stage 3 ILA from credit migration
in non-property SME and corporate and property and
construction portfolios
€1,308m
Dec 19
Stage 1/2
Stage 3
Dec 20
⚫ILA % of gross loans
1 Includes Purchased or Originated Credit Impaired (POCI) loans of €0.1bn in 2019 and 2020
Bank of Ireland
17View entire presentation