Bank Of Ireland Group Plc · EURONEXT:BIRG

Bank Of Ireland — Investor Presentation (November 2011)

14 slides from Bank Of Ireland's investor presentation, Nov 21, 2011

  1. Slide 1: Bank of Ireland Presentation

    Bank of Ireland Presentation November 2011 As at 21 November 2011

  2. Slide 2: Forward-looking statement

    Forward-looking statement This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934 and Section 27A of the US Securities Act of 1933 with respect to certain of the Bank of Ireland Group’s (the “Group”) plans and its current

  3. Slide 3: Irish Economy Overview

    Bank of Ireland Group G) Irish Economy Overview

  4. Slide 4: Ireland’s underlying strengths remain

    Ireland’s underlying strengths remain Irish economy is “prosperous and open with flexible product and labour markets” and “the most open economy in the Euro area” S&P 5th August 2011 ƒ Exceptionally open economy – exports equate to c.100% of GDP (compared to EU 27 average of c.40% ) 1 Substantial ga

  5. Slide 5: Economic recovery continuing

    Economic recovery continuing ƒ Real GDP rose by 1.6% in Q2 2011 following a 1.9% increase in Q1. This is the first time since 2006 that GDP has increased for two consecutive quarters. Annual GDP growth was 2.3% in Q2 2011 Irish Economy Stops Contracting ƒ Real GDP is expected to expand in 2011 by 1.

  6. Slide 6: External demand driving growth…Government finances on track

    External demand driving growth…Government finances on track ƒ Exports (of goods and services) are the main driver of ƒ Fiscal position being addressed GDP growth in Q2 2011, rising by 1.0% (s.a q-on-q) ƒ Budget 2011 broadly on target ƒ Value of goods exports increased by 3.4% for first nine months o

  7. Slide 7: Bank of Ireland Group Overview

    Bank of Ireland Group Overview

  8. Slide 8: Bank of Ireland Overview

    Bank of Ireland Overview ƒ “Pillar bank”, systemically important retail & commercial bank in the Irish Banking sector playing a critical role in the operation of the Irish economy BOI Market Share in Ireland Personal % Business % Residential Mortgages c.20%1 Business Current Accounts 36%4 Personal C

  9. Slide 9: 2011 PCAR – leading to a strongly capitalised bank

    2011 PCAR – leading to a strongly capitalised bank Significant elements of the 2011 capital raising Bank Of Ireland ownership structure programme completed €144bn BOI €’bn Private State Stockholders 15% Capital generated to end October 2011 3.85 85% Further capital raising measures (end Dec 2011) 0.

  10. Slide 10: Significant deleveraging taken place

    Significant deleveraging taken place Loans and advances to customers excluding assets held for sale to NAMA and net of impairment provisions Core Tier 1 Capital -28% Proforma 15.4% additional capital €144bn Core tier 1 5.9% €114bn €107bn c.€104bn c.€90bn 9.7% 9.5% 6.3% Sept 2008 Dec 2010 June 2011 O

  11. Slide 11: Profile of total loans at 30 June 11

    Profile of total loans at 30 June 11 Excluding assets held for sale to NAMA and net of impairment provisions Geographic Profile of loans and advances to customers €120bn June 2011 €114bn -5% €107bn -6% €61bn 7% /51% €59bn /52% €57bn 26% /54% RoI Mortgages 19% RoI Other UK Mortgages €33bn UK Other /2

  12. Slide 12: Group Customer Deposits

    Group Customer Deposits €85bn ƒ Despite intense competition the Group’s retail €84bn deposit base in Ireland has remained stable (€35bn -23% c.€75bn – c.€80bn Dec 2010 v €34bn June 2011) €29bn €26bn ƒ Our joint venture with the UK Post Office continued €65bn €65bn to grow and exceeded expectations w

  13. Slide 13: Wholesale funding

    Wholesale funding Senior Bonds, Bank Deposits & CP / CD1 €70bn ƒ Wholesale funding requirement has decreased by Securitisations €61bn c.10% c.10% from €61bn at June 2011 and is expected to Covered Bonds €20bn1 / 29% c.€55bn further decrease to c.€26bn-c.€28bn by Dec 2014 €12bn1 / 20% Market Bi-later

  14. Slide 14: Summary

    Summary Bank of Ireland is well positioned to support corporate, business and personal customers and contribute positively to the recovery of the Irish economy Clarification of key issues Financial Targets - 2014 Capital requirements defined through 2011 Dec 2014 9 Measure June 2011 PCAR Target Dele

Bank of Ireland Group — Investor Presentation (November 2011) on 6ix