Investor Presentaiton
Non-performing loans by portfolio
Non-performing loans reducing across all portfolios
Composition (Jun 16)
Bank of Ireland Group
Advances Non-performing Non-performing Defaulted
(€bn)
loans
(€bn)
loans as % of
advances
loans
(€bn)
Defaulted
loans as % of
advances
Impairment
provisions
(€bn)
Impairment
provisions as % of
non-performing
Impairment
provisions as %
of defaulted
loans
loans
Residential Mortgages
49.4
3.5
7.2%
2.3
4.7%
1.2
32%
48%
Republic of Ireland
24.6
2.6
10.7%
2.0
8.1%
1.1
40%
53%
- UK
24.8
0.9
3.7%
0.3
1.5%
0.1
8%
21%
Non-property SME and Corporate
20.3
2.4
11.8%
2.4
11.8%
1.3
55%
55%
- Republic of Ireland SME
9.1
1.8
20.0%
1.8
20.0%
1.0
53%
53%
- UK SME
2.1
0.2
8.8%
0.2
8.8%
0.1
50%
50%
Corporate
9.1
0.4
4.2%
0.4
4.2%
0.2
62%
62%
Property and construction
11.8
3.9
32.9%
3.9
32.9%
2.3
60%
60%
- Investment property
10.3
2.7
26.4%
2.7
26.4%
1.4
54%
54%
- Land and development
1.5
1.2
78.9%
1.2
78.9%
0.9
75%
75%
Consumer
3.6
0.1
3.3%
0.1
3.3%
0.1
106%
106%
Total loans and advances to
customers
85.1
9.9
11.7%
8.7
10.3%
4.9
49%
56%
Composition (Dec 15)
Advances Non-performing Non-performing Defaulted
Defaulted
(€bn)
loans
(€bn)
loans as % of
advances
loans
(€bn)
loans as % of
Impairment
provisions
Impairment
Impairment
advances
(€bn)
provisions as % of
non-performing
provisions as %
of defaulted
loans
loans
Residential Mortgages
52.9
4.2
7.9%
2.8
5.2%
1.3
31%
47%
-
Republic of Ireland
25.0
3.0
12.2%
2.3
9.3%
1.2
39%
52%
- UK
27.9
1.2.
4.1%
0.5
1.6%
0.1
9%
22%
Non-property SME and Corporate
21.0
2.7
13.0%
2.7
13.0%
1.5
53%
53%
Republic of Ireland SME
9.3
2.0
21.9%
2.0
21.9%
1.1
52%
52%
- UK SME
2.4
0.3
11.1%
0.3
11.1%
0.1
51%
51%
Corporate
9.3
0.4
4.6%
0.4
4.6%
0.3
59%
59%
Property and construction
13.4
4.9
36.8%
4.9
36.8%
3.0
61%
61%
- Investment property
11.4
3.2
28.5%
3.2
28.5%
1.7
53%
53%
- Land and development
2.0
1.7
84.8%
1.7
84.8%
1.3
76%
76%
Consumer
3.3
0.2
4.1%
0.2
4.1%
0.1
105%
105%
Total loans and advances to
90.6
12.0
13.2%
10.6
11.6%
5.9
49%
56%
customers
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