| GROUP INCOME STATEMENT | 2016 (€m) | 2017 (€m) | 2018 (€m) |
|---|---|---|---|
| Net interest income (before ELG fees) | 2,298 | 2,248 | 2,146 |
| Eligible Liabilities Guarantee (ELG) fees | (20) | - | - |
| Net Other Income | 848 | 801 | 659 |
| Operating income (net of insurance claims) | 3,126 | 3,049 | 2,805 |
| Operating expenses (before Irish Bank Levy) | (1,741) | (1,796) | (1,739) |
| Transformation Investment charge | (41) | (104) | (113) |
| Levies and regulatory charges | (109) | (99) | (101) |
| Operating profit before impairment charges | 1,235 | 1,050 | 852 |
| Impairments charges on loans and advances to customers | (178) | (15) | 42 |
| Share of results of associates and joint ventures | 41 | 43 | 41 |
| Underlying profit / (loss) before tax | 1,098 | 1,078 | 935 |
| GROUP PERFORMANCE | 2016 | 2017 | 2018 |
|---|---|---|---|
| Net interest margin (%) | 2.20% | 2.29% | 2.20% |
| Average interest earning assets (€bn) | 102 | 98 | 99 |
| Non-performing exposures (€bn) | 9.4 | 6.5 | 5.0 |
| BALANCE SHEET | 2016 (€bn) | 2017 (€bn) | 2018 (€bn) |
|---|---|---|---|
| Loans and advances to customers | 78 | 76 | 77 |
| Liquid assets | 21 | 24 | 25 |
| Wealth and Insurance assets | 17 | 17 | 17 |
| Other assets | 7 | 6 | 5 |
| Total assets | 123 | 123 | 124 |
| Customer deposits | 75 | 76 | 79 |
| Wholesale Funding | 14 | 13 | 11 |
| Wealth and Insurance Liabilities | 17 | 17 | 17 |
| Other liabilities | 6 | 5 | 5 |
| Subordinated liabilities and AT1 | 2 | 3 | 3 |
| Shareholders' equity | 9 | 9 | 9 |
| Total liabilities & Shareholders' equity | 123 | 123 | 124 |
| LIQUIDITY | 2016 | 2017 | 2018 |
|---|---|---|---|
| Liquidity Coverage ratio | 113% | 136% | 136% |
| Net Stable Funding ratio | 122% | 127% | 130% |
| Loan to deposit ratio | 104% | 100% | 97% |
| CAPITAL | 2016 | 2017 | 2018 |
|---|---|---|---|
| Common equity tier 1 ratio – Basel III regulatory rules | 14.2% | 15.8% | 15.0% |
| Common equity tier 1 ratio – Basel III fully loaded | 12.3% | 13.8% | 13.4% |
| Total capital ratio – Basel III transitional rules | 18.5% | 20.2% | 18.8% |
| Risk weighted assets (€bn) | 50.5 | 44.8 | 47.6 |