| GROUP INCOME STATEMENT | 2014 (€m) | 2015 (€m) | 2016 (€m) |
|---|---|---|---|
| Net interest income (before ELG fees) | 2,358 | 2,454 | 2,283 |
| Eligible Liabilities Guarantee (ELG) fees | (37) | (10) | (20) |
| Net Other Income | 653 | 828 | 842 |
| Operating income (net of insurance claims) | 2,974 | 3,272 | 3,105 |
| Operating expenses (before Irish Bank Levy) | (1,635) | (1,783) | (1,747) |
| Irish Bank Levy | (38) | (38) | (38) |
| Operating profit before impairment charges on financial assets | 1,301 | 1,451 | 1,208 |
| Impairments charges on loans and advances to customers | (542) | (296) | (176) |
| Reversal of impairment charges on available for sale (AFS) financial assets | 70 | - | (2) |
| Share of results of associates and joint ventures (after tax) | 92 | 46 | 41 |
| Underlying profit / (loss) before tax | 921 | 1,201 | 1,071 |
| GROUP PERFORMANCE | 2014 | 2015 | 2016 |
|---|---|---|---|
| Net interest margin (%) | 2.11% | 2.19% | 2.19% |
| Average interest earning assets (€bn) | 109 | 108 | 99.4 |
| Defaulted Loans (€bn) | 14.3 | 10.6 | 6.9 |
| Per unit of €0.05 ordinary stock | |||
| Basic profit / (loss) per share (€ cent) | 2.0 | 2.3 | 2.2 |
| Underlying profit / (loss) per share (€ cent) | 2.0 | 2.3 | 2.2 |
| Tangible Net Asset Value (€ cent) | 22.0 | 24.1 | 24.7 |
| BALANCE SHEET | 2014 (€m) | 2015 (€m) | 2016 (€m) |
|---|---|---|---|
| Loans and advances to customers (after impairment provisions | 82 | 85 | 78 |
| Liquid assets | 25 | 24 | 21 |
| Other assets | 7 | 6 | 7 |
| Total assets | 130 | 131 | 123 |
| Customer deposits | 75 | 80 | 75 |
| Wholesale Funding | 20 | 14 | 14 |
| Other liabilities | 8 | 12 | 7 |
| Subordinated liabilities | 2 | 2 | 1 |
| Total liabilities | 121 | 122 | 114 |
| Stockholders equity | 9 | 8 | 9 |
| Total liabilities and stockholders equity | 130 | 131 | 123 |
| LIQUIDITY | 2014 | 2015 | 2016 |
|---|---|---|---|
| Liquidity Coverage ratio | 98% | 108% | 113% |
| Net Stable Funding ratio | 114% | 120% | 122% |
| Loan to deposit ratio | 110% | 106% | 104% |
| CAPITAL | 2014 | 2015 | 2016 |
|---|---|---|---|
| Common equity tier 1 ratio – Basel III fully loaded | 9.3% | 11.3% | 12.3% |
| Total capital ratio – Basel III transitional rules | 18.3% | 18% | 18.5% |
| Risk weighted assets (€bn) | 51.6 | 53.3 | 50.8 |