I set out below the responses I have received in relation to the Deputy's query:-
Bank of Ireland
Bank of Ireland gives significant and comprehensive disclosure on its Retail Ireland Residential Mortgage portfolio, including disposals, in pages 107-117 of its Interim Report for the Six months to 30 June 2012, and gives further significant and comprehensive disclosure on its asset quality, including in connection with Retail Ireland residential mortgages, in pages 25-29 of this Interim Report. Bank of Ireland confirms, per the European Commission’s published decisions regarding the State Aid given to Bank of Ireland that Irish mortgages fall within our core portfolio.
Bank of Ireland does not provide disclosures in the areas requested other than as set out above.
IBRC
I have been advised that IBRC is not in a position to respond to questions relating to its loans or other asset levels between its financial reporting dates, as these matters have a market dimension that is commercially sensitive. The Bank’s annual and interim reports provide transparency around the Bank’s loan and asset inventory position at those dates which provides a variety of perspectives on these areas.
AIB
AIB makes detailed disclosures in respect of its mortgage book on a semi-annual basis as part of its regulatory reporting requirements. The mortgage book data is shown on an aggregate basis and also split by owner occupier and buy-to-let. AIB has not historically made disclosures in respect of a sub class of apartments.
The relevant data in respect of AIB’s Republic of Ireland residential mortgage book as of June 2012 can be found on page 30 - 32 of AIB’s Half Yearly Financial Report 2012.
PTSB
Please see the below table for a breakdown of our loan portfolio as it relates to apartment units
|
New days in arrears brands
|
No Accounts
|
Balance €m
|
|
Up to date
|
5,452
|
1,051
|
|
< 90 Days in Arrears
|
332
|
72
|
|
> 90 Days in Arrears
|
787
|
177
|
|
Home Loan Apartments Total
|
6,571
|
1,301
|
|
Up to date
|
4,780
|
1,486
|
|
< 90 Days in Arrears
|
337
|
129
|
|
> 90 Days in Arrears
|
1,423
|
734
|
|
RIP Apartments Total
|
6,540
|
2,348
|
|
Total Residential (Apartments)
|
13,111
|
3,649
|
