| GROUP INCOME STATEMENT | 2020 (€m) | 2021 (€m) | 2022 (€m) |
|---|---|---|---|
| Net interest income (before ELG fees) | 2,115 | 2,219 | 2,482 |
| Net Other Income | 505 | 725 | 752 |
| Operating income (net of insurance claims) | 2,620 | 2,944 | 3,234 |
| Operating expenses (before Irish Bank Levy) | (1,720) | (1,646) | (1,746) |
| Transformation Investment charge | (56) | (29) | - |
| Levies and regulatory charges | (125) | (130) | (143) |
| Impairment of intangible assets and goodwill | (12) | (1) | (7) |
| Operating profit before impairment charges | 763 | 1,167 | 1,345 |
| Impairments charges on loans and advances to customers | (1,133) | 194 | (187) |
| Share of results of associates and joint ventures | (4) | 5 | 40 |
| Underlying profit / (loss) before tax | (374) | 1,366 | 1,198 |
| GROUP PERFORMANCE | 2020 | 2021 | 2022 |
|---|---|---|---|
| Net interest margin (%) | 2.00% | 1.86% | 1.96% |
| Average interest earning assets (€bn) | 106 | 119 | 126 |
| Non-performing exposures (€bn) | 4.5 | 4.3 | 2.6 |
| BALANCE SHEET | 2020 (€bn) | 2021 (€bn) | 2022 (€bn) |
|---|---|---|---|
| Loans and advances to customers | 77 | 76 | 72 |
| Liquid assets | 31 | 50 | 49 |
| Other assets | 26 | 29 | 30 |
| Total assets | 134 | 155 | 151 |
| Customer deposits | 89 | 93 | 99 |
| Wholesale funding | 9 | 21 | 11 |
| Shareholders' equity | 9 | 10 | 11 |
| Other liabilities | 27 | 31 | 30 |
| Total liabilities & Shareholders' equity | 134 | 155 | 151 |
| LIQUIDITY | 2020 | 2021 | 2022 |
|---|---|---|---|
| Liquidity Coverage ratio | 153% | 181% | 221% |
| Net Stable Funding ratio | 138% | 144% | 163% |
| Loan to deposit ratio | 86% | 82% | 73% |
| CAPITAL | 2020 | 2021 | 2022 |
|---|---|---|---|
| Common equity tier 1 ratio – Basel III regulatory rules | 14.9% | 17.0% | 15.9% |
| Common equity tier 1 ratio – Basel III fully loaded | 13.4% | 16.0% | 15.4% |
| Total capital ratio – Basel III transitional rules | 19.2% | 22.3% | 21.0% |
| Risk weighted assets (€bn) | 48.0 | 46.2 | 47.5 |