2021 Interim Results - Debt Investor Presentation
Capital - strong Fully Loaded and
Regulatory CET1 ratios
Capital ratios - Jun 2021
Total equity
Less Additional Tier 1
Deferred tax²
Intangible assets and goodwill
Foreseeable dividend
Expected loss deduction
Pension fund asset
IFRS 9 Regulatory Addback³
Other¹ items
Common Equity Tier 1 Capital
Credit RWA
Operational RWA
Market, Counterparty Credit Risk and Securitisations
Other Assets / 10% / 15% threshold deduction
Total RWA
Common Equity Tier 1 ratio
Total Capital ratio
Leverage ratio
Phasing impacts on Regulatory ratio
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Regulatory ratio Fully Loaded ratio
(€bn)
(€bn)
10.3
10.3
(1.0)
(1.0)
(0.8)
(1.1)
(0.5)
(0.5)
0.0
0.0
(0.1)
0.0
(0.3)
(0.3)
0.4
0.0
(0.5)
(0.5)
7.5
6.9
38.9
38.8
4.2
4.2
2.2
2.2
3.8
3.7
49.1
48.9
15.3%
14.1%
20.5%
19.6%
6.5%
6.0%
Deferred tax assets - certain DTAs are deducted at a rate of 70% for 2021, increasing annually at a rate of 10% thereafter until
2024
IFRS 9 - the Group has elected to apply the transitional arrangement. The transitional arrangement allows a 100% add-back in
2021 decreasing to 75%, 50%, and 25% in subsequent years
1 Other items includes other capital deductions, principal ones being prudential valuation adjustment, 10%/15%
deduction and calendar provisioning deduction
² Deferred tax assets due to temporary differences are included in other RWA with a 250% risk weighting applied
3 The IFRS 9 addback to the Regulatory CET1 was c.80bps at 30 Jun 2021, decreased from c.95bps at 31 Dec 2020
Bank of Ireland
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