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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.Q2 2025 earnings summary29 Jul, 2025
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.
How did the SB&A transfer impact Retail Ireland?
What is driving the expected NII increase?
What is the target for sustainable finance by 2030?
What is driving the upgraded NII outlook?
What is the expected cost of risk in 2026?
Discuss the U.S. acquisition finance book.
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Next Bank of Ireland Group earnings date
Q3 202529 Oct, 2025
Next Bank of Ireland Group earnings date
Q3 202529 Oct, 2025
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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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