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Bank of Ireland Group (BIRG) investor relations material
Bank of Ireland Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Strong momentum in Irish loans, deposits, and wealth assets under management, with disciplined cost control and high capital generation supporting balance sheet growth and shareholder returns.
Share buyback of €590m completed, reducing share count by 12% since 2022, and €3 billion returned to shareholders since 2022, representing 26% of market cap.
Positive outlook reiterated into 2026 and 2027, with ROTE on track to exceed 17% by 2027 and a refreshed strategy to be presented in Q1 next year.
Irish loans and everyday banking deposits increased at an annualized rate of 5%, with a 41% market share in new mortgages and record wealth AUM of €58 billion.
Interim dividend of 25 cents per share to be paid.
Financial highlights
Net interest income (NII) guidance for FY25 upgraded to over €3.3bn, with expectations of high €3.3bn in 2026 and mid-€3.5bn in 2027, assuming ECB at 2%.
Total business income up 5% year-over-year; operating expenses up 3% year-over-year, cost-to-income ratio at 49%.
CET1 ratio at 16.2% at end-September 2025, with organic capital generation of 185bps year-to-date.
Wealth assets under management reached €58.3bn, with net inflows of €1.6bn and 9% annualized growth.
Group deposits at €105.5bn, up €2.4bn from December 2024; net lending at €82.2bn.
Outlook and guidance
Positive outlook reaffirmed to 2027, targeting return on tangible equity above 17%.
Loan and deposit CAGR expected at 3%-4%, AUM CAGR at 7%-8%, and cost base maintained around €2 billion.
Organic capital generation guidance of 250–270bps in 2026 and 2027, excluding a 35bps impact from UK motor finance.
Operating expenses to grow by approximately 3% vs 2024; levies and regulatory charges expected at €130m.
Strategy refresh and updated targets beyond 2027 to be shared in Q1 next year.
Will 2025 be the NII trough year?
What is the timing and quantum of capital return?
What new elements will Q1 strategy refresh bring?
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Next Bank of Ireland Group earnings date
Q4 202524 Feb, 2026
Next Bank of Ireland Group earnings date
Q4 202524 Feb, 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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