Investor Presentaiton
Asset Quality
Impairment Losses on Loans
Asset Quality
Mar 06
Mar 05*
€m
€ 796m
€m
€m
800
€ 693m
€ 710m
700
Specific
114
138
600
IBNYR**
10
500
400
€ 360m
€ 343m
NDSP***/General
(38)
€ 319m
300
Recoveries
(21)
(21)
200
100
Total €m
103
79
0
March 06
Sept 05
March 05*
Charge on Average Loans
11bps
11bps
Impairment Provisions
Impaired Loans
* Excludes release from loan impairment provisions of €100m
_
**IBNYR Incurred But Not Yet Reported
* After release from loan impairment provisions of €100m
***Non Designated Specific Provision
Continued excellent asset quality in benign credit environment
Charge on average loans 11bps - below trend
Well diversified and proactively managed loan book
Strong underwriting and arrears management skills
20
Bank of Ireland GroupView entire presentation