Was meint Ihr, lohnt sich der einstig hier?
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OHNE GENAUE ZEITANGABE
http://www.volksfreund.de/nachrichten/welt/geld/...;art160913,3065747
Also laut der Webseite von Bank of Ireland soll um 09:00 die Zahlen präsentiert werden
http://www.bankofireland.com/about-boi-group/...-results-announcment/
http://www.ariva.de/news/...n-Milliarden-fuer-Athen-freigeben-3968014
........gerettet wird, können wir uns hier auf ein Spektakel einrichten, dass sich gewaschen hat!
Unvorstellbar..................., wenn dann noch die Zahlen einigermaßen passen!
Heute haben wir eine Mittagspause bei unseren Irishen Tresen mit einem Pint Guinness eingeplant --------------und gebucht ist ein Tisch bei unseren Stamm-Griechen um 20Uhr Da wird dann ------------hoffentlich--------------manch ein Tsipouro-----------genoßen.................
Hoffentlich bin ich heute trinkfest -----------gute Nacht und guten Morgen----------------und good luck...............-------Spaß muß sein-------------
Zeitpunkt: 20.02.12 12:38
Aktion: Löschung des Beitrages
Kommentar: Löschung auf Wunsch des Verfassers
http://www.rns-pdf.londonstockexchange.com/rns/7038X_-2012-2…
Loss befor Taxes € -190 Mio (2010 -950M)
Nach Steuern Grewinn €40M (2010 -609M)
Sieht auf den ersten Blick gut aus
und hier eine zusammenfassung der zahlen:
http://www.rte.ie/news/2012/0220/boi-business.html
Bank of Ireland has reported a narrowing of losses for the year to the end of December, despite having to set aside more money to cope with potential loan losses.
Bank of Ireland's pre-tax losses for the 12 months to the end of December amounted to €190m. That compares to losses of €950m in 2010.
The bank said that its impairment charges on loans and advances to customers rose to €1.939 billion from €1.859 billion in 2010.
The bank's impairment charge on its residential mortgages increased by €65m from €404m in 2010 to €469m. The bank said this was mainly due to the general economic weakness and affordability issues. It also said the rise in arrears since August appears to have been impacted by the implementation of the new code of conduct on mortgage arrears.
Bank of Ireland said the impairment charge of €893m on its property and construction portfolio for the year rose by €174m compared to a charge of €719m for the year to December 2010. The portfolio amounted to €21 billion by the end of the year.
Bank of Ireland's operating income fell by 27% to €2.1 billion due to the continuing low interest rate environment, intense competition for deposits and a elevated wholesale funding costs and the cost of the state backed guarantee. The bank said it had cut its costs by 8% to €1.65 billion.
Bank of Ireland's chief executive Richie Boucher said the bank sees the rate of increase in mortgage arrears among its customers easing in the coming months before peaking this year.
Figures from the Central Bank last week showed that nearly one in seven Irish home loans are not being fully repaid as unemployment remains high and house prices continue to fall.
Bank of Ireland bettered the industry average with its proportion of owner occupier loans in arrears for more than 90 days rising to 5.6% from 3.7% a year ago but below the sector-wide headline figure of 9.2% reported by the central bank last week.
"We don't anticipate that they have peaked as yet. We think that the ratio of increase will start to ease during 2012 and will peak during 2012," Mr Boucher said.
"The level of arrears is still very high and we need to continue to put a huge amount of effort into managing this part of our book."
The CEO said trading conditions in Ireland and the UK remained challenging with economic growth lower than previously envisaged. He said this was adversely impacting on demand for the bank's products and services.
Mr Boucher said that after an "extensive loan loss refresh" for its full-year results, Bank of Ireland expected a peak to trough house price deflation of 55%, adding another 10% for loss given default.
He added that the bank expected to take part in the European Central Bank's next longer term refinancing operation at the end of the month and also said the bank was likely to cut more staff after the bank's headcount fell by 7% in the year to the end of December 2011.
The bank said its final asset transfers to NAMA were completed last October and that a total of €10 billion of assets have now been transferred to NAMA at an average loss on disposal of 44%.
Through the implementation of our
strategy and by focusing on our key
priorities, we have made substantial
progress on de-risking, deleveraging and
strengthening the Group’s balance sheet.
The future strategic shape of the Group
has been clarified giving us strong market
positions in our chosen markets for our
core businesses. We have been making
material embedded reductions in our cost
base with a more robust and efficient
infrastructure being delivered.
Trading conditions in our Irish and UK
markets remain challenging with
economic growth now forecast to be
lower than previously envisaged and weak
consumer and business confidence in the
domestic economies continuing to prevail.
This is adversely impacting on the
demand for our products and progress
towards the normalisation of impairment
charges in our loan books. It is now
anticipated that euro and sterling interest
rates will remain lower for a longer period
than previously expected and whilst
funding markets have shown some
improvement they remain volatile.
Consequently, recovery in our net interest
margins has become more difficult.
We remain focussed on all of our targets
and their achievement over time. We
remain on track to meet our balance sheet
restructuring and cost reduction targets
within the previously envisaged timeframes.
However, the timing and pace of
achieving our income related targets are
dependent on the pace of economic
recovery and the trajectory of interest
rates.
Having made considerable progress on
our balance sheet and cost priorities,
which will continue to require very close
attention, we remain very focussed on our
other key priorities in 2012 with an
emphasis on the management of credit
risks, reducing the cost of funding
(including the cost of ELG) and improving
margins and fee income whilst further
developing our customer franchises in our
core businesses.
Richie Boucher
http://www.independent.ie/breaking-news/...nk-of-ireland-3024697.html
denke die zahlen werden sehr gut aufgenommen werden. wenn jetzt griechenland mitspielt sind die 16ct heute drin.
Bank of Ireland Swings Into Profit After Bond Exchange Gain
By Joe Brennan - Feb 20, 2012 8:26 AM GMT+0100
Bank of Ireland Plc, the nation’s largest lender, swung into a full-year profit as a gain from a bond exchange eclipsed rising loan losses.
Net income was 40 million euros ($53 million), compared with a 609 million-euro net loss in the year-earlier period, the Dublin-based lender said in a statement today. The bank recorded a 1.79 billion-euro gain from the bond swap, eclipsing a rise in loan losses to 1.94 billion euros from 1.86 billion euros.
While loan impairments should “reduce over time” as the Irish economy recovers, a rebound “in our net interest margin has become more difficult,” as euro area and U.K. interest rates “will remain lower for a longer period than previously expected, Richie Boucher, chief executive officer, said in the statement. The net interest margin, the difference between its funding costs and lending rate, fell to 1.33 percent last year from 1.46 percent a year earlier.
Bank of Ireland is alone among the country’s six largest lenders in escaping state control after the government sold a 34.9 percent stake last year to five investors, including Toronto-based Fairfax Financial Holdings Ltd. and WL Ross & Co., a New York-based investment firm. The bank raised 5.2 billion euros of capital last year following a stress test in March.
Boucher set a target in April of selling 10 billion euros of assets and running down a further 20 billion euros of loans by 2013. It sold 8.6 billion euros of loans last year at an average 7.1 percent below face value.
The bank’s underlying pretax loss narrowed to 1.52 billion euros from 3.46 billion euros a year earlier.
http://www.bloomberg.com/news/2012-02-20/bank-of-ireland-swings-into-profit-after-bond-exchange-gain-1-.html
Ich denke auch das wir heute die 0.16 sehen :-) Nicht mehr lange und ich habe wieder alles grün im Depot ;-)
Bin am überlegen ob ich nochmal nachlege! was mein ihr? Abwarten oder jetzt nachlegen?
LG
will man warten!?
die zahlen werden nicht schlecht sein und wenn dann auch noch griechenland die 130 mrd bekommt, dann gehts dahin!