Key Figures

GROUP INCOME STATEMENT 2017 (€m) 2018 (€m) 2019 (€m)
Net interest income (before ELG fees) 2,248 2,146 2,150
Net Other Income 801 659 686
Operating income (net of insurance claims) 3,049 2,805 2,836
Operating expenses (before Irish Bank Levy) (1,796) (1,739) (1,677)
Transformation Investment charge (104) (113) (108)
Levies and regulatory charges (99) (101) (117)
Operating profit before impairment charges 1,050 852 934
Impairments charges on loans and advances to customers (15) 42 (215)
Share of results of associates and joint ventures 43 41 39
Underlying profit / (loss) before tax 1,078 935 758
GROUP PERFORMANCE 2017 2018 2019
Net interest margin (%) 2.29% 2.20% 2.14%
Average interest earning assets (€bn) 98 99 101
Non-performing exposures (€bn) 6.5 5.0 3.5
BALANCE SHEET 2017 (€bn) 2018 (€bn) 2019 (€bn)
Loans and advances to customers 76 77 79
Liquid assets 24 25 27
Other assets 23 22 26
Total assets 123 124 132
Customer deposits 76 79 84
Wholesale funding 13 11 11
Shareholders' equity 9 9 10
Other liabilities 25 25 27
Total liabilities & Shareholders' equity 123 124 132
LIQUIDITY 2017 2018 2019
Liquidity Coverage ratio 136% 136% 138%
Net Stable Funding ratio 127% 130% 131%
Loan to deposit ratio 100% 97% 95%
CAPITAL 2017 2018 2019
Common equity tier 1 ratio – Basel III regulatory rules 15.8% 15.0% 15.0%
Common equity tier 1 ratio – Basel III fully loaded 13.8% 13.4% 13.8%
Total capital ratio – Basel III transitional rules 20.2% 18.8% 18.6%
Risk weighted assets (€bn) 44.8 47.6 49.9