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Bank Of Ireland Share Chat (BKIR)



Share Price: 0.1875Bid: 0.1875Ask: 0.19Change: 0.0025 (+1.35%)Riser - Bank Ireland
Spread: 0.0025Spread as %: 1.33%Open: 0.1825High: 0.1925Low: 0.1825Yesterday’s Close: 0.185


Share Discussion for Bank Of Ireland


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martin1
Posts: 419
Off Topic
Opinion:No Opinion
Price:0.19
Sorry
Today 12:04
Luck
 
martin1
Posts: 419
Off Topic
Opinion:No Opinion
Price:0.19
Hotdog1
Today 12:00
The only person that think Merkel is right is herself and her friend down the road Francois Hollande
These people decided Brexit not stupid voters
I voted to stay in but looking back it was greed on my part,the out voters were more in tune with with what's coming
Best of look all on Friday
Borninusa123456
Posts: 220
Off Topic
Opinion:No Opinion
Price:0.1875
Good read
Today 11:30
On Irish times article and j. mcclean ....interesting read.... Also deutchebank had 16 million profit , at least it didn't go in the red considering it's probably peaked with restructuring and write downs etc...
johnmcclean
Posts: 1,274
Observation
Opinion:No Opinion
Price:0.19
Friday
Today 10:52
Half year results dont really tell the Bkir story for this full year. H2 always tends to be better. We already know the pension has been re-rated so the knock on effect will be a drop in CET1 from11.2% to between 10.5 and 11%. However even if the pension problem stays static the CET1 should still be above 11.5% by year end, well above the 10% required.

NIM
Best we can hope for on friday is no change at 2.11%. this will almost definitely improve by year end. The bank has resisted any SVR changes and will continue to do so. Based on the fact that tracker numbers continue to reduce and new mortgages and personal loan rates continue to grow with a higher % rate and the fact that a 1 billion CoCo at a 10% rate will be redeemed (possibly on Friay) the annual NIM should be closer to 2.15% by year end.

New loans will grow steadily but the stg exchange rate and loans been repaid will leave it a 0 sum game. Pity, that should have been a major bright spot. Stg exchange rate has reduced the loan book by just short of 5 billion. What we dont know is how the bank have hedged this risk so it may take FY results to get a clearer picture.

The bank will book a 75 million gain from the Visa sale but some of that will go on extra regulatory costs (40mil for full year). 110 mill saved on interest payments on pref shares. Potential for write backs is good. Currently BoI are at 48% on the HPI while the present rate is 33%. I think ever 1% is worth 40million.

Dividend
I still hold out hope of a small one next March. present share price means nothing but sterling does. If the bank thinks it will stabilize where it is now there will be one. The figure for year, end if they go as expect and the UK and IRL economy's don't fall off a cliff would still allow for one. On top of that and very importantly it is a stated strategic long term policy of management to pay one this year. Too date they have delivered on every stated goal on time.
That just the way I see it. If they choose not too I wont be surprised and in ways I agree with Hotdogs that its debatable how wise it is to pay one this year. Time will tell.
PANG
Posts: 121
Off Topic
Opinion:No Opinion
Price:0.1875
Lows
Today 09:35
In my opinion this is as low ( 17 cent to 20 cent) as the shares will go, even shorters would be taking too big a risk to go lower. The results on Friday will show, i feel, a fall from last year, but will be largely positive, the one bad point (Pension) was given last week I feel that was a strategy move to dump bad news prior to the good news.
Doughnuts
Posts: 954
Off Topic
Opinion:No Opinion
Price:0.1875
Good is not Great, not lousy either
Today 09:14
Hotdog1
Posts: 794
Off Topic
Opinion:No Opinion
Price:0.185
Martin1
Tue 23:55
They banned shorting but Merkel has with her open door policy destroyed Europe with every dog n divil crossing for a "better" life. A line was encroached today ..... An 80year plus good man and servant to his religion got his throat slashed and died on the altar by barbaric animals ranting Allah. The world has changed , uncertainty rules. Uncertainty feeds shorty.
torquay
Posts: 1,932
Observation
Opinion:Hold
Price:0.185
Still Here
Tue 23:46
Along with all the other pilgrims who live in hope - the comments concerning market cap are noted but really what else can be expected under the circumstances. When I first joined this happy band @ .37, the market cap was higher but then fell - if memory serves - to just over 2 billion.
The shares were on the floor post Rites Issue, so I jumped in with both feet when they fell to .06 cents reducing my average to .15 which is where I sit now.
Not uncomfortable but having made no real money - which was the original object of the exercise. Could have sold out like Ranger, in the high 30's and should have done really, but I like it on here, you can always pick up something useful in terms of insight and sentiment which we hear very little of lately in spite of Brexit and various recent atrocity's especially today's in France. The sins that cry to heaven for vengence.......
Will be missing for a few days, because my daughter wants me to look at wedding reception venue's with her and to meet the priest who will preside over the event - an Irish man from Limerick so that's alright then!!..
Look after the shop while I'm away and don't be worrying about speculators they will get their's in due course.
Patience is required until the big lads have finished their games of mine is bigger than yours (Super Yachts) and return to the markets in six weeks time.
It has always fascinated me that these men who tell us that they work so hard spend so long on holiday and go so often.

Good luck all.
martin1
Posts: 419
Off Topic
Opinion:No Opinion
Price:0.185
Shorting
Tue 22:45
I cannot agree this gives any strength to share price it's distorting share price
It hurts me over the years that it's legal
Germany that runs Europe banned it,rest my case
GLA
Hotdog1
Posts: 794
Off Topic
Opinion:No Opinion
Price:0.185
Sp
Tue 19:58
No one genuinely has a clue irrespective of results where this share is going. It hangs on the frills and nuances of its European peers. As for a dividend.....said it before and I'll say it again. 2016 it would be reckless to give a red cent to anyone.




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