2022 Interim Results - Debt Investor Presentation
49
49
Stage 1
Stage 2
Stage 3
€m
€m
€m
Non-property SME and Corporate by stage¹
Composition (Jun-22)
Sectoral analysis by stage
1,2 Bank of Ireland 2022 Interim Results - Debt Investor Presentation
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA %
of gross
POCI
€m
Total
€m
Stage 1
€m
Stage 2
€m
Stage 3
POCI
Total
loans
€m
€m
€m
Non-property SME and corporate
- Manufacturing
3,631
981
244
4,856
12
51
- Administrative and support service activities
2,337
663
202
16
3,218
37
- Wholesale and retail trade
1,689
351
82
2,122
12
- Accommodation and food service activities
553
879
232
1,664
20
- Agriculture, forestry and fishing
1,304
144
117
1,565
- Human health services and social work activities
865
389
193
1,447
- Financial and insurance activities
981
48
16
1,045
- Transport and storage
501
231
147
879
- Professional, scientific and technical activities
640
87
34
761
- Real estate activities
331
255
111
697
15
- Other services
- Education
- Other sectors
Total
Composition (Dec-21)
452
111
72
635
439
30
1
470
- Arts, entertainment and recreation.
224
187
39
450
-
18
1,665
119
40
1,824
5
15,612
4,475
1,530
16
21,633
60
205
883332756221130
25858355-879
279223-22422
143
2.9%
3
130
4.0%
58
2.7%
75
4.5%
51
3.3%
18
46
3.2%
13
1.2%
55
65
7.4%
21
2.8%
47
66
9.5%
39
6.1%
1
4
0.9%
14
32
7.1%
25
1.4%
3
768
3.6%
Gross carrying amount
Impairment loss allowance
ILA %
(before impairment loss allowance)
Sectoral analysis by stage
Stage 1
€m
Stage 2
Stage 3
POCI
Total
€m
€m
€m
€m
Stage 1
€m
Stage 2 Stage 3
of gross
POCI
Total
loans
€m
€m
€m
€m
Non-property SME and corporate
- Manufacturing
3,239
876
- Administrative and support service activities
1,803
762
- Wholesale and retail trade
1,895
301
111
- Agriculture, forestry and fishing
1,427
159
- Accommodation and food service activities
243
1,231
- Human health services and social work activities
994
604
65
- Financial and insurance activities
988
50
- Transport and storage
568
189
- Other services
619
170
97
- Real estate activities
418
242
- Professional, scientific and technical activities
578
99
- Arts, entertainment and recreation.
199
233
60
- Education
375
28
- Other sectors
Total
1,084
156
14,430 5,100
67
221222226-6
4,242
15
2,702
2,307
1,710
11
1,701
1,663
1,054
150
907
886
772
703
492
404
1,307
270 1523254.2M
12
41
10
BARBARTLETT
39
16
7
44
30
4
8
11
15
3
21
1
7
1,305
15
20,850
67
247
22332752626.53
51
49
INITI
83
2.0%
101
3.7%
75
3.3%
54
3.2%
98
5.8%
21
56
3.4%
13
1.2%
67
7.4%
48
61
6.9%
46
66
8.5%
9
16
2.3%
16
37
7.5%
-
3
0.7%
15
25
1.9%
439
2
755
3.6%
1 The Non-property SME and corporate portfolio is analysed by NACE code. The NACE code classification system is a pan-European
classification system that groups organisations according to their business activities.
Bank of Ireland
2 Exposures to NACE codes totalling less than €400 million are grouped together as 'Other sectors'. The NACE codes reported in the
table above can therefore differ period on period.View entire presentation