Bank of Ireland 2021 Interim Results - Debt Investor Presentation
Meaningful buffer to potential MDA'
restrictions
Regulatory CET1 ratio vs. MDA Threshold
Bank of Ireland 2021 Interim Results - Debt Investor Presentation
15.3%
Jun 21
Regulatory CET1 ratio
5.5%
Current
MDA
Buffer
1.5%
2.5%
•
1.27%
4.5%
Dec 21
Regulatory CET1 ratio requirement
Pillar 1
Pillar 2 Requirement
■ ССВ
■O-SII
Regulatory CET1 ratio of 15.3% at Jun 2021
-
Continued phase-in of existing transitional
adjustments expected to consume c.20-40bps per
annum to 2025
End 2021 CET1 ratios expected to increase by
c.30bps 50bps above Jun 2021 levels
O-SII buffer increased to 1.5% in Jul 2021
Jun 2021 Regulatory CET1 ratio of 15.3% provides a
buffer of c.5.5% to MDA threshold
MREL-MDA in effect from Jan 2022
45
25
1 The Maximum Distributable Amount is determined as a percentage of attributable profits earned in the period to which the
buffer breach and MDA calculation pertains, and will vary depending on the extent of the breach of the CBR which is measured
in quartiles (bottom quartile - 0%, second quartile - 20%, third quartile - 40% and top quartile - 60% of profits)
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