H1 2020 Credit Presentation
Macro-economic outlook increasing Stage 2 balances Bank of Ireland H1 2020 Credit Presentation
1.6%
€80.5bn
€0.1bn
€3.1bn
€5.6bn
€71.8bn
Dec 19
Gross loans by stage
€78.5bn
€0.1bn
€4.4bn
€11.3bn
€62.7bn
Jun 20
Stage 1 Stage 2 Stage 3 POCI
ILA movement
2.7%
Macro-economic outlook increasing Stage 2 loans
•
€5.7bn increase in Stage 2 loans since Dec 2019
reflecting deteriorated macro-economic outlook:
Non-property SME and corporate portfolio Stage 2
loans increased €3.7bn
-
Property and construction Stage 2 loans increased
€1.9bn
Stage 3 loans of €4.4bn, increase of €1.3bn since
Dec 2019:
€0.9bn increase from implementation of new
Definition of Default; remainder from credit migration
in corporate and property portfolios
ILA increased by €0.8bn to €2.1bn since Dec 2019:
-
€0.5bn increase on performing loan books
€0.3bn increase in Stage 3 ILA from credit migration
in Non-property SME and corporate and Property and
construction portfolios
€1,308m
€337m
€477m
€2,122m
Dec 19
Stage 1/2
Stage 31
Jun 20
ILA % of gross loans
1 Includes Purchased Other Credit Impaired (POCI)
Bank of Ireland
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