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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank of Ireland Group
Bank of Ireland Group (BIRG) investor relations material
Bank of Ireland Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Momentum across lending, deposits and wealth supports upgraded FY26 guidance and confidence in medium-term earnings growth; performance remains on track for 2026 and 2028 targets.
Customer volumes increased by more than €13bn year-to-date; asset quality remained resilient, with an NPE ratio of 2.0%.
Financial highlights
9M total income rose 6% YoY; NII rose 4%, fee income 6% and operating costs 2%.
Customer loans increased €3.6bn year-to-date to €86.1bn, with ~5% growth excluding FX; deposits rose €2.8bn to €110.3bn, with ~3% growth.
Wealth and Insurance AUM reached €67bn, up 16%, with €2.8bn net inflows; sustainable finance lending reached €20.7bn, up 17%.
Year-to-date capital generation was 210 bps; the NPE ratio was 2.0%, improved from 2.2% at December 2025.
Outlook and guidance
FY26 NII guidance was upgraded for the second time to >€3.5bn, expected to be €20m–€30m above that threshold; loan book growth guidance increased to 5%.
FY26 fee income is expected to rise ~4%; total costs are guided at ~€2.2bn, up ~2%, with the cost-income ratio flat versus 2025.
FY26 statutory ROTE is guided above 14%, EPS growth above 35% and capital generation above 270 bps; impairment charge is expected in the mid-to-high teens bps, subject to economic conditions.
2028 targets include ROTE above 16%, NII of ~€3.95bn or higher and a cost-income ratio in the mid-40s, incorporating a €250m cost-efficiency target.
NII is expected to reach ~€3.75bn in 2027 and >€3.95bn in 2028 on a 2.5% ECB rate assumption; current rates offer further upside.
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Latest events from Bank of Ireland Group
- Strong profit growth, capital generation, and ESG progress with robust asset quality.BIRG
Investor presentation - Strong capital generation, improved asset quality, and growth in AUM underpin a positive outlook.BIRGInvestor presentation
- Upgraded guidance and strong growth drive robust returns and digital-led expansion.BIRGInvestor presentation
- Profit before tax up 33% to €960m, with upgraded guidance and strong capital generation.BIRGQ2 2026
- Strong results, higher dividends, and a new digital strategy highlighted, with key shareholder votes.BIRGAGM 2026
- Q1 saw strong loan growth, stable NII and deposits, and reaffirmed 2026 guidance.BIRGQ1 2026
- H1 2025 profit, upgraded NII, and strong capital returns support a positive 2027 outlook.BIRGQ2 2025
- H1 2024 profit up 5% to €1.1bn, with strong capital, asset quality, and upgraded guidance.BIRGQ2 2024
- Strong Q1 results, robust capital, and positive outlook to 2027 maintained.BIRGQ1 2025
Next Bank of Ireland Group earnings date
Q4 202626 Feb, 2027
Bank of Ireland Group
Next Bank of Ireland Group earnings date
Q4 202626 Feb, 2027
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Frequently asked questions
Bank of Ireland Group plc is a diversified financial services group based in Ireland. It operates one of the largest financial services groups in the country, providing a broad range of banking and other financial services. The group is organized into several trading segments and one support division to effectively serve its customers. Bank of Ireland offers retail banking, corporate banking, business banking, and a variety of financial solutions including current and savings accounts, credit and debit cards, life insurance, loans, mortgages, overdrafts, pension, and protection products. The company is headquartered in Dublin, Ireland, and its shares are listed on the Irish Stock Exchange and the London Stock Exchange.