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Bank of Ireland Group
Bank of Ireland Group (BIRG) investor relations material
Bank of Ireland Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Mar, 2026
Executive summary
Maintains unrivaled position in Ireland with strong franchises in mortgages, everyday banking, corporate lending, and wealth management, supported by respected brands and a growing international presence.
Achieved strong FY25 financial performance with profit before tax of €1.39bn, supported by 6% growth in Irish loans and deposits and 9% AUM growth year-over-year.
Maintained #1 market positions in Irish retail banking, mortgages, and commercial banking, with over 4 million customers.
Irish economy remains robust, with GDP forecasted to grow 3% annually to 2028 and supportive demographics driving balance sheet growth.
Continued digital transformation, with 81% of Irish PCA customers digitally active and significant investments in AI and technology.
Financial highlights
Irish loans and deposits up 6% in 2025; fee income grew 7%, led by Wealth and Insurance (up 12%).
Net interest income (NII) for FY25 was €3.37bn, with total income of €4.18bn and operating expenses of €2.16bn.
Operating expenses rose 3% due to wage inflation and digital investment; restructuring costs of €153 million.
Impairment charge of €193 million (23bps cost of risk); NPE ratio at 2.2%, down 40bps.
Ordinary dividend per share €0.70, up 11% year-over-year; total distributions of €1.2bn (100% payout).
Outlook and guidance
NII expected to grow to €3.4 billion in 2026, >€3.6 billion in 2027, and >€3.85 billion in 2028, with potential to reach €4 billion post-2028.
Lending growth targeted at 4% per year, deposit growth at 3%, and AUM growth at 10% through 2028.
Fee income to grow ~4% annually, with Wealth and Insurance outpacing.
Total costs expected to remain stable at ~€2.2 billion; cost-income ratio to improve to mid-40s by 2028.
Statutory ROTE targeted to exceed 16% by 2028, up from 12.8% in 2025.
Progressive dividend policy with ~50% payout ratio; surplus capital to be returned to shareholders.
How does 14.5% CET1 target balance growth and distributions?
Beyond 2028, how will AI drive further efficiency?
What drives capital-light fee income growth to diversify revenue?
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Next Bank of Ireland Group earnings date
Q1 20261 May, 2026
Bank of Ireland Group
Next Bank of Ireland Group earnings date
Q1 20261 May, 2026
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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.
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