| GROUP INCOME STATEMENT | 2021 (€m) | 2022 (€m) | 2023 (€m) |
|---|---|---|---|
| Net interest income (before ELG fees) | 2,219 | 2,482 | 3,682 |
| Net Other Income | 725 | 635 | 746 |
| Operating income (net of insurance claims) | 2,944 | 3,177 | 4,428 |
| Operating expenses (before Irish Bank Levy) | (1,646) | (1,675) | (1,857) |
| Levies and regulatory charges | (130) | (142) | (170) |
| Operating profit before impairment charges | 1,167 | 1,300 | 2,401 |
| Impairments charges on loans and advances to customers | 194 | (187) | (403) |
| Share of results of associates and joint ventures | 5 | 40 | 25 |
| Underlying profit / (loss) before tax | 1,366 | 1,153 | 2,023 |
| GROUP PERFORMANCE | 2021 | 2022 | 2023 |
|---|---|---|---|
| Net interest margin (%) | 1.86% | 1.96% | 3.01% |
| Average interest earning assets (€bn) | 119 | 126 | 122 |
| Non-performing exposures (€bn) | 4.3 | 2.6 | 2.5 |
| BALANCE SHEET | 2021 (€bn) | 2022 (€bn) | 2023 (€bn) |
|---|---|---|---|
| Loans and advances to customers | 76 | 72 | 80 |
| Liquid assets | 50 | 49 | 44 |
| Other assets | 29 | 30 | 32 |
| Total assets | 155 | 151 | 156 |
| Customer deposits | 93 | 99 | 100 |
| Wholesale funding | 21 | 11 | 12 |
| Shareholders' equity | 10 | 11 | 12 |
| Other liabilities | 31 | 30 | 32 |
| Total liabilities & Shareholders' equity | 155 | 151 | 156 |
| LIQUIDITY | 2021 | 2022 | 2023 |
|---|---|---|---|
| Liquidity Coverage ratio | 181% | 221% | 196% |
| Net Stable Funding ratio | 144% | 163% | 157% |
| Loan to deposit ratio | 82% | 73% | 80% |
| CAPITAL | 2021 | 2022 | 2023 |
|---|---|---|---|
| Common equity tier 1 ratio – Basel III regulatory rules | 17.0% | 15.6% | 14.5% |
| Common equity tier 1 ratio – Basel III fully loaded | 16.0% | 15.1% | 14.3% |
| Total capital ratio – Basel III transitional rules | 22.3% | 20.8% | 19.2% |
| Risk weighted assets (€bn) | 46.2 | 46.8 | 52.5 |