Bank of Ireland 2019 Credit Presentation
Net lending growth of €2.0bn
Group loan book movement
€16.5bn (€14.5bn)
(€1.0bn)
€0.2bn
€1.3bn
Total €2.0bn
€77.0bn
€79.5bn
Dec 18
Loan book
New Redemptions Loan book/ Disposals/ FX / Other
lending
Acquisitions Securitisation
Dec 19
Loan book
Net lending increased to €2.0bn in 2019
(€0.9bn)
2017
1 On a constant currency basis
Bank of Ireland 2019 Credit Presentation
Net lending growth of €2.0bn in 2019
•
•
•
Diversified mix of Group's loan portfolios continuing to benefit
net lending growth
Net lending growth in 2019 driven by UK and international
portfolios. Net loan book decrease in Retail Ireland (€0.3bn)
New lending €16.5bn increased by 3% in 20191:
-
-
Retail Ireland new lending €5.8bn, +1% vs. 2018
Retail UK new lending €6.7bn, +15% vs. 2018
Corporate new lending €4.0bn, 10% lower vs. 2018
Redemptions in line with 20181
ROI mortgage NPE disposals and securitisation providing
positive benefit to NPE ratio and CET1 capital
Outlook
Net lending growth of c.€2.0bn in 2020
Growth supported by strong economic fundamentals in core
markets
Maintaining commercial discipline on risk and pricing
€2.0bn
•
€1.3bn
2018
2019
Bank of Ireland
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