Bank of Ireland 2019 Credit Presentation
Interest Rate Sensitivity
Bank of Ireland 2019 Credit Presentation
The table below shows the estimated sensitivity of the Group's income (before tax) to an instantaneous and sustained 1% parallel
movement in interest rates
Estimated sensitivity on Group income (1 year horizon)
100bps higher
100bps lower
The estimates are based on management assumptions primarily related to:
•
the re-pricing of customer transactions;
Dec 18
(€m)
Dec 19
(€m)
c.180
c.210
(c.210)
(c.250)
. the relationship between key official interest rates set by Monetary Authorities and market determined interest rates; and
•
the assumption of a static balance sheet by size and composition
In addition, changes in market interest rates could impact a range of other items including the valuation of the Group's IAS19 defined
benefit pension schemes
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