Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Balance Sheet
Customer loans
Liquid assets
Other assets
Total assets
Dec 2020
(€bn)
Jun 2021
(€bn)
77
77
•
31
46
26
27
134
150
•
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
•
•
Funding & Liquidity
LDR reduced from 86% to 85% on foot of growth in
customer deposits
TLTRO III drawdowns of €10.8bn and growth in customer
deposits primary drivers of c.€15bn increase in liquid
assets
LCR increased from 153% to 177% driven by increase in
liquid assets
NSFR stable at 138%
Customer deposits: €90.6bn
Net growth of €2bn principally due to higher Retail and
SME volumes in Ireland offset by a decrease in UK and
Corporate and Markets volumes
Wholesale Funding: €20.4bn
Increase of c.€11bn following TLTRO III participation
Senior bond of €750m and Tier 2 issuance of €500m
(both Green format) during 2021
Capital and MREL requirements primary driver of new
wholesale funding
Tangible Net Asset Value
•
TNAV increased to €7.89
Customer deposits
88
Wholesale funding
89
9
91
Shareholders' equity
9
129
20
Other liabilities
27
Total liabilities
134
30
150
•
TNAV per share
€7.32
€7.89
Closing EUR/GBP FX rates
0.90
0.86
•
Dec 2019
Liquidity Coverage Ratio
153%
Jun 2021
177%
•
Net Stable Funding Ratio
138%
138%
•
Loan to Deposit Ratio
86%
85%
Bank of Ireland
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