Bank of Ireland Group Balance Sheet Health
Financial Health criteria checks 4/6
Bank of Ireland Group has total assets of €159.1B and total equity of €12.6B. Total deposits are €103.2B, and total loans are €83.7B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 2.9% of total loans. Cash and short-term investments are €34.7B.
Key information
12.6x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | €103.20b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.9% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | €34.69b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BIRB's Assets to Equity ratio (12.6x) is moderate.
Allowance for Bad Loans: BIRB has a low allowance for bad loans (52%).
Low Risk Liabilities: 70% of BIRB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BIRB has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: BIRB's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: BIRB has a high level of bad loans (2.9%).