**Summary**
Bank of Ireland Group plc announced its results from the 2025 EU-wide stress test conducted by the European Banking Authority (EBA) in collaboration with the Central Bank of Ireland, the European Central Bank (ECB), and the European Systemic Risk Board (ESRB). The stress test, which does not have a pass/fail threshold, assessed the Groups resilience under baseline and adverse economic scenarios over a three-year horizon (2025-2027).
Key findings include
Under the baseline scenario, the Group maintained a fully loaded CET1 ratio of 19.5% in 2027.
In the adverse scenario, the CET1 ratio decreased to 13.7%, significantly <mark style="background-color:yellow">above</mark> the Groups current requirement of 11.38%.
The Groups CET1 depletion improved by approximately 130 basis points compared to the 2023 stress test, reflecting enhanced business model actions and a higher interest rate environment.
The Groups performance was 50 basis points better than the EU average.
As of June 2025, the Groups pro forma CET1 ratio stood at 16.0%. Detailed results are available on the EBA and Bank of Ireland Group websites. The announcement also includes forward-looking statements, emphasizing inherent risks and uncertainties, and clarifies that it is not a forecast of future profitability or financial position.
**Contacts**
Mark SpainGroup Chief Financial Officer
Eamonn Hughes, Chief Sustainability & Investor Relations Officer
Damien Garvey, Head of Group External Communications and Public Affairs
The information was provided by RNS, the news service of the London Stock Exchange, and includes a privacy notice regarding data usage.