IAS19 Defined Benefit Pension + Mortgage Portfolio Analysis
Bank of Ireland
Portfolio by stage
Composition (Jun 23)
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
Sectoral analysis by stage
Stage 1
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2
Stage 3
POCI
Total
ILA % of
gross loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
€m
Residential Mortgages
41,181
4,664
729
147
46,721
- Republic of Ireland
27,485
3,208
351
147
31,191
- UK
13,696
1,456
378
15,530
Non-property SME and corporate
14,774
5,043
1,426
1
21,244
Republic of Ireland SME
5,314
1,469
499
1
7,283
- UK SME
1,246
311
111
1,668
- Corporate
- Investment
- Land and development
Consumer
- Motor Lending UK
- Loans UK
- Motor Lending ROI
- Loans ROI
- Credit Cards ROI
Total
Composition (Dec 22)
8,214
3,263
816
Property and construction
4,197
3,351
385
3,377
3,211
366
820
140
19
4,959
791
173
110001 -
12,293
8
7,941
6,962
979
5,924
1,772
376
33
2,181
1,118
257
56
1,431
797
3
23
823
755
129
49
1
934
517
26
12
555
BERTRIEB031323003
28
69
133
6
236
0.5%
16
39
89
6
150
0.5%
30
44
86
0.6%
61
163
528
752
3.5%
55
254
341
4.7%
4
17
40
61
3.7%
25
91
234
350
2.8%
63
95
172
2.2%
60
90
161
2.3%
3
5
11
1.1%
46
57
101
204
3.4%
5
11
19
0.9%
29
37
42
108
7.5%
-
9
12
1.5%
8
11
31
50
5.4%
4
8
15
2.7%
65,111
13,849
2,713
157
81,830
148
352
857
7
1,364
1.7%
Gross carrying amount
(before impairment loss allowance)
Impairment loss allowance
ILA % of
Sectoral analysis by stage
Stage 1
Stage 2
Stage 3
POCI
Total
Stage 1
Stage 2
Stage 3
POCI
Total
gross loans
€m
€m
€m
€m
€m
€m
€m
€m
€m
€m
Residential Mortgages
34,020
3,546
450
4
38,020
18
38
89
1
146
0.4%
- Republic of Ireland
19,733
2,484
251
4
22,472
8
22
69
1
100
0.4%
- UK
14,287
1,062
199
-
15,548
10
16
20
Non-property SME and corporate
15,253
4,665
1,534
16
21,468
65
153
563
Republic of Ireland SME
4,931
1,683
561
7,175
39
63
269
- UK SME
1,177
280
121
1,578
4
12
45
- Corporate
- Investment
- Land and development
Consumer
9,145
2,702
852
16
12,715
22
78
249
Property and construction
3,864
3,922
355
60
8,201
10
53
102
INTING
46
0.3%
2
783
3.6%
371
5.2%
61
3.9%
351
2.8%
195
2.4%
3,216
3,469
339
60
7,084
7
47
97
181
2.6%
648
453
16
1,117
3
6
5
14
1.3%
4,694
510
146
5,350
49
41
81
171
3.2%
- Motor Lending UK
1,553
225
27
1,805
3
4
9
16
0.9%
- Loans UK
1,216
126
45
1,387
31
25
34
90
6.5%
- Motor Lending ROI
736
23
759
4
10
14
1.8%
- Loans ROI
686
137
40
863
8
9
21
38
4.4%
- Credit Cards ROI
503
22
11
536
3
3
7
13
2.4%
Total
57,831
12,643
2,485
80
73,039
142
285
835
33
1,295
1.8%
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