| GROUP INCOME STATEMENT | 2015 (€m) | 2016 (€m) | 2017 (€m) |
|---|---|---|---|
| Net interest income (before ELG fees) | 2,454 | 2,298 | 2,248 |
| Eligible Liabilities Guarantee (ELG) fees | (10) | (20) | - |
| Net Other Income | 828 | 848 | 801 |
| Operating income (net of insurance claims) | 3,272 | 3,126 | 3,049 |
| Operating expenses (before Irish Bank Levy) | (1,746) | (1,741) | (1,789) |
| Core Banking Platforms investment | - | (41) | (111) |
| Levies and regulatory charges | (75) | (109) | (99) |
| Operating profit before impairment charges | 1,451 | 1,235 | 1,050 |
| Impairments charges on loans and advances to customers | (296) | (178) | (15) |
| Share of results of associates and joint ventures | 46 | 41 | 43 |
| Underlying profit / (loss) before tax | 1,201 | 1,098 | 1,078 |
| GROUP PERFORMANCE | 2015 | 2016 | 2017 |
|---|---|---|---|
| Net interest margin (%) | 2.19% | 2.20% | 2.29% |
| Average interest earning assets (€bn) | 108 | 102 | 98 |
| Non-performing exposures (€bn) | 9.4 | 8.1 | 6.5 |
| BALANCE SHEET | 2015 (€bn) | 2016 (€bn) | 2017 (€bn) |
|---|---|---|---|
| Loans and advances to customers | 85 | 78 | 76 |
| Liquid assets | 24 | 21 | 24 |
| BOI Life assets | 16 | 17 | 17 |
| Other assets | 6 | 7 | 6 |
| Total assets | 131 | 123 | 123 |
| Customer deposits | 80 | 75 | 76 |
| Wholesale Funding | 14 | 14 | 13 |
| BOI Life liabilities | 16 | 17 | 17 |
| Other liabilities | 12 | 7 | 7 |
| Additional Tier 1 security and other | 1 | 1 | 1 |
| Total liabilities | 123 | 122 | 122 |
| Stockholders equity | 8 | 8 | 9 |
| Total liabilities and stockholders equity | 131 | 123 | 123 |
| LIQUIDITY | 2015 | 2016 | 2017 |
|---|---|---|---|
| Liquidity Coverage ratio | 108% | 113% | 136% |
| Net Stable Funding ratio | 120% | 122% | 127% |
| Loan to deposit ratio | 106% | 104% | 100% |
| CAPITAL | 2015 | 2016 | 2017 |
|---|---|---|---|
| Common equity tier 1 ratio – Basel III regulatory rules | 13.3% | 14.2% | 15.8% |
| Common equity tier 1 ratio – Basel III fully loaded | 11.3% | 12.3% | 13.8% |
| Total capital ratio – Basel III transitional rules | 18.0% | 18.5% | 20.2% |
| Risk weighted assets (€bn) | 51.6 | 50.5 | 44.8 |