| 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 |