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Bank of Ireland Group (BIRG) investor relations material
Bank of Ireland Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Strong H1 2025 performance with Irish loans, deposits, and AUM each up 3–6%, supported by Ireland's resilient economy and strategic execution; ROTE at 14.8% and CIR at 48%.
Upgraded FY25 NII guidance to €3.3bn; capital generation robust at 110bps in H1.
Interim dividend of 25c/share (40% payout); share count reduced by 11% since 2022 through €1.2bn buybacks.
Strategic execution and digital innovation driving customer satisfaction, digital user growth, and reduced complaints.
Wealth assets under management and sustainable finance portfolios both grew, supporting diversified income streams.
Financial highlights
H1 2025 profit before tax of €0.7bn; cost-income ratio at 48%; ROTE at 14.8%.
Net interest income for H1 2025 was €1.67bn, down 8% year-over-year; total income €2.03bn, down 7%.
Operating profit pre-impairment fell 17% to €932m; underlying profit before tax down 26% to €804m.
CET1 ratio (pro forma) at 16.0%, up from 14.6% at year-end 2024.
Dividend per share at 25c, down from 35c in H1 2024.
Outlook and guidance
FY25 guidance: NII c.€3.3bn, total business income growth c.5%, operating expenses c.3% higher, cost of risk c.30bps.
ROTE guidance c.15% for FY25, with medium-term target >17% by FY27.
Organic capital generation guidance reaffirmed at 250–270bps per year; CET1 target above 14%.
Loan book expected to grow ~2% in 2025, led by Ireland.
Progressive full-year dividend per share policy maintained; further capital returns to be considered at year-end.
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