Annual Report & Accounts 2009 - Anglo Irish Bank

The Group
30 September 2008
Business Other
Commercial Residential Banking Lending Total
€m €m €m €m €m
Good quality 41,822 8,859 7,054 4,559 62,294
Satisfactory quality 4,535 1,070 415 282 6,302
Lower quality but not past due or
impaired 1,526 800 276 134 2,736
Total neither past due or impaired 47,883 10,729 7,745 4,975 71,332
Past due but not impaired 1,251 308 33 190 1,782
Impaired loans 146 719 16 76 957
49,280 11,756 7,794 5,241 74,071
Provisions for impairment (450) (379) (31) (54) (914)
Less:
Lending to policyholders in respect of
48,830 11,377 7,763 5,187 73,157
investment contracts (note 40) (1,006)
Total 72,151
Provisions for impairment on
loans and advances to customers
The Group
30 September 2008
Business Other
Commercial Residential Banking Lending Total
€m €m €m €m €m
At beginning of year 125 66 25 79 295
Charge against profits 344 347 12 21 724
Write-offs (7) (18) (5) (37) (67)
Unwind of discount (3) (7) - (3) (13)
Exchange movements (9) (9) (1) (6) (25)
At end of year 450 379 31 54 914
Specific 40 191 10 31 272
Collective 410 188 21 23 642
Total 450 379 31 54 914
The charge against profits includes collective provisions for impairment analysed on a portfolio basis.
The asset quality of the parent Bank's loans and advances to customers is analysed in note 56.
Anglo Irish Bank
Annual Report & Accounts 2009
91