2019 Interim Results Credit Presentation
Leading Irish retail and commercial bank;
unlocking growth in our home market
H1 2019 - €3.8bn new lending in Ireland
Corporate
€0.5bn
Consumer
€0.3bn
Property
€0.6bn
2019 Interim Results Credit Presentation
Irish credit growth emerging
Annual %
Change
5
0
Mortgages
€1.0bn
Business
Banking
€1.5bn
Unique franchise...
• Over 2 million consumer, business and wealth and insurance
customers
• Largest lender to the Irish economy for 6 years running
• Leading market shares in mortgage, SME, consumer and
wealth products
• Ireland's only bancassurer
Leading Business Bank in Ireland
#1 lender to Corporate Ireland
Largest branch physical footprint, with 265 branches
• Digitally enabled with 80% of customers digitally active
Ireland is the fastest growing economy in Europe
Demographics support further growth with youngest
population in Europe
•
2017
2018
Stock of lending to households
Stock of lending to businesses (non-financial corporations)1
...with growth and efficiency upside
2019
Leading supporter of home building and buying
€750 million in development finance approved
Mortgage market expected to grow significantly
• €1bn green fund launched supporting mortgage, consumer
and SME customers
Supporting and partnering our business customers helping
them navigate Brexit; €2bn Brexit fund launched
• Continued growth in penetration of wealth product
holdings for bank customers; launch of digital pensions
platform in H2 2019
⚫ Serving customers brilliantly with efficiencies through
customer journey automation and simplification
1 Source: Central Bank of Ireland, Banks balance sheet basis, excludes loan sales and securitisations
Bank of Ireland
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