Investor Presentaiton
Non-performing exposures by portfolio
Advances
Non-performing
Non-performing
Impaired
Composition (Dec 17)
(€bn)
exposures
exposures as %
loans
Impaired loans
as %
Impairment Specific impairment Specific impairment
(€bn)
of advances
(€bn)
of advances
provisions
(€bn)
provisions
provisions as %
(€bn)
of impaired loans
Residential Mortgages
- Republic of Ireland
- UK
Non-property SME and Corporate
- Republic of Ireland SME
- UK SME
- Corporate
Property and construction
46.7
3.1
6.6%
1.3
2.8%
24.1
2.7
11.0%
1.1
4.7%
22.6
0.4
1.9%
0.2
0.8%
18.7
1.7
8.9%
1.3
7.1%
- Investment property
- Land and development
Consumer
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8.2
1.3
15.4%
1.0
12.0%
1.7
0.1
8.6%
0.1
5.9%
8.8
0.3
3.0%
0.2
2.9%
8.8
1.7
19.1%
1.3
14.9%
8.3
1.5
17.9%
1.1
13.7%
0.5
0.2
39.4%
0.2
35.3%
4.3
0.1
2.1%
0.1
2.1%
0.1
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0.7
0.5
37%
0.6
0.5
42%
0.1
0.0
11%
0.9
0.8
57%
0.6
0.6
56%
0.1
0.1
52%
0.2
0.1
62%
0.7
0.6
52%
0.6
0.5
51%
0.1
0.1
60%
0.1
63%
Total loans and advances to customers
78.5
6.5
8.3%
4.0
5.2%
2.4
2.0
49%
Advances
Non-performing
Non-performing
Impaired
Composition (Dec 16)
exposures
exposures as %
loans
Impaired loans
as %
Impairment Specific impairment
Specific impairment
provisions
provisions
provisions as %
(€bn)
(€bn)
of advances
(€bn)
of advances
(€bn)
(€bn)
of impaired loans
Residential Mortgages
48.2
3.6
7.6%
1.6
3.4%
1.0
- Republic of Ireland
24.3
3.1
13.0%
1.4
6.0%
0.9
- UK
23.9
0.5
2.1%
0.2
0.7%
0.1
190
0.7
42%
0.7
45%
0.0
15%
Non-property SME and Corporate
20.0
2.2
11.0%
1.8
9.1%
- Republic of Ireland SME
8.8
1.7
19.1%
1.4
15.7%
- UK SME
1.9
0.2
9.1%
0.1
6.3%
FOO
1.1
1.0
55%
0.8
0.8
55%
0.1
0.1
55%
- Corporate
9.3
0.3
3.7%
0.3
3.5%
0.2
0.2
54%
Property and construction
10.4
3.5
33.6%
2.7
25.8%
1.7
1.6
61%
- Investment property
9.4
- Land and development
1.0
Consumer
3.8
200
2.7
29.4%
2.0
21.1%
1.2
1.1
57%
0.7
71.6%
0.7
68.8%
0.5
0.5
73%
0.1
2.8%
0.1
2.7%
0.1
0.1
66%
Total loans and advances to customers
82.4
9.4
11.4%
6.2
7.6%
3.9
3.4
54%
Bank of Ireland Group
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