Investor Presentaiton
Income Statement
Net interest income analysis
Bank of Ireland Group
H1 2015
H2 2015
H1 2016
H2 2016
Average Gross Gross
Volumes Interest Rate
(€bn) (€m) (%)
Average Gross Gross
Volumes Interest Rate
(€bn) (Єm) (%)
Average Gross
Volumes Interest
(€bn) (€m)
Gross
Rate
(%)
Average Gross Gross
Volumes Interest Rate
(€bn) (€m) (%)
Ireland Loans
37.1
593
3.22%
36.8
589
3.17%
36.5
552
3.04%
36.0
554
3.07%
UK Loans
35.6
656
3.71%
36.4
661
3.60%
33.5
580
3.48%
30.2
475
3.13%
C&T Loans
11.9
253
4.31%
12.4
252
4.04%
12.6
253
4.05%
12.7
264
4.13%
Total Loans & Advances to
84.6
1,503
3.58%
85.6
1,502
3.49%
82.6
1,385
3.37%
78.9
1,293
3.26%
Customers
Liquid Assets.
24.3
1481
1.23%
22.4
1151
1.02%
22.5
921
0.82%
20.5
781
0.76%
Total Interest Earning Assets
108.8
1,651
3.06%
108.0
1,617
2.97%
105.1
1,477
2.83%
99.4
1,371 2.74%
Ireland Deposits
21.9
(48)
(0.44%)
22.0
(33)
(0.30%)
22.1
(26)
(0.24%)
21.9
(17)
(0.15%)
Credit Balances²
20.8
(1)
(0.01%)
22.4
(1)
(0.01%)
23.8
(1)
(0.01%)
25.3
(1)
(0.01%)
UK Deposits
C&T Deposits
25.9
(158)
(1.23%)
25.6
(161)
(1.25%)
8.8
(33)
(0.76%)
8.3
(27)
Total Deposits
77.5 (240) (0.62%)
78.4
(223)
Wholesale Funding
18.1
(101) (1.13%)
14.3
Subordinated Liabilities
2.5
(91)
(7.34%)
2.4
(0.65%)
(0.56%)
(72) (1.00%)
(88) (7.32%)
Total Interest Bearing Liabilities
98.1
(432)
(0.89%)
95.1
(383)
(0.80%)
94.2
(342)
24.6 (154)
7.7
(21) (0.55%)
78.2 (202) (0.52%)
13.6
(49) (0.71%) 13.4
2.4
(91) (7.72%)
(0.73%)
(1.26%)
20.7
(111)
(1.07%)
(14)
6.8
74.7 (143) (0.38%)
(0.41%)
(32) (0.47%)
1.5
(48) (6.13%)
89.6
(223) (0.49%)
IFRS Income Classification
(29)
(54)
(33)
(13)
Net Interest Margin
108.8
1,190
2.21%
108.0
1,180
2.17%
105.1
1,102
2.11%
99.4
1,135 2.27%
Average ECB Base rate in the period
Average 3 month Euribor in the period
Average BOE Base rate in the period
0.05%
0.05%
0.02%
0.00%
0.02%
(0.06%)
(0.22%)
(0.31%)
0.50%
0.50%
0.50%
0.30%
0.57%
0.58%
0.59%
0.41%
Average 3 month LIBOR in the period
Excludes any additional gains from portfolio re-configuration during the period
2Credit balances in H2 2016: ROI €18.7bn, UK €3.1bn and C&T €3.5bn
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