**Bank of Ireland Group PLC 2025 Annual Financial Report Summary**
**Financial Performance Highlights (2025):**
**Profit Before Tax** €1.4 billion, driven by strong growth in Irish loans, deposits, and customer numbers, with wealth assets under management reaching record levels.
**Shareholder Returns** €1.2 billion in total distributions, including a dividend of €667 million (DPS of 70 cents, +11% YoY) and a €530 million share buyback.
**Key Metrics**
Adjusted RoTE13.9% (16.3% excluding UK motor finance provision).
Net Interest Income (NII)€3.37 billion, expected to grow in 2026 and accelerate in 2027-2028.
Fee Income+7%, led by Wealth and Insurance franchises.
Irish Lending and DepositsBoth grew by 6%
Wealth Assets Under Management+9%.
Operating Expenses: €2.03 billionin line with guidance.
Non-core Charge€430 million, including €264 million UK motor finance provision.
Net Credit Impairment Charge€193 million (23bps)
NPE ratio improved to 2.2%.
CET1 Ratio15.1%, with strong organic capital generation of 270bps.
**Strategy Update 2026-2028**
**Financial Targets**
Statutory RoTE to exceed 16% by 2028 (>19% on prior Adjusted RoTE basis).
Mid to high teens EPS CAGR.
Total income to surpass €4.75 billion by 2028 (>4% CAGR).
NII guidance upgraded: €3.4bn (2026)€3.6bn (2027)€3.85bn (2028).
Loan book growth~4% p.a.
Deposit book~3% p.a.
Wealth AUM~10% p.a.
Cost Income RatioMid-40s by 2028 (c.6ppts improvement vs 2025).
CET1 capital guidance~14.5%.
Cumulative net capital generation~€3.7 billion over the strategic cycle.
**Strategic Priorities**
1. **Drive Growth in Ireland** Enhance Mortgage, Wealth & Insurance, and Everyday Banking franchises.
2. **Optimize Capital Allocation** Leverage core Ireland strengths for disciplined growth in UK and international businesses.
3. **Invest for the Future** Build future-ready capabilities through digital, data, AI, and customer insights.
**CustomerColleagueand Society Outcomes:**
Personal Customer Relationship Net Promoter Score improved to +31 in H2 2025.
24% reduction in customer complaints in Ireland.
Sustainable Finance lending increased to €17.7 billion, exceeding 2025 targets.
Established continuous learning culture, including an AI Academy for colleagues.
**2026 Financial Guidance**
NII~€3.4 billion.
Deposit growth~3%
Loan growth~4%.
Fee income growth~4%.
Total costs€2.2 billion.
Statutory RoTE~12.5% (equivalent to ~15.5% on prior Adjusted RoTE basis).
CET1 capital guidance~14.5%.
Progressive DPS, supported by ~50% dividend payout ratio.
**CEO Statement (Myles OGrady)**
Highlighted strong performance in the 2023-2025 cycle, with Irish loan book growth of 33%, deposits +11%, and Wealth AUM +54%.
Emphasized shareholder returns of €3.6 billion and improved customer experience.
Confident in the Group’s position to drive growth, optimize capital, and invest for the future, supported by Ireland’s attractive market and disciplined capital allocation.
**Forward-Looking Statement**
The report includes forward-looking statements subject to risks and uncertainties, as outlined in the Group’s Annual Report for 2025.
**Conclusion**
Bank of Ireland Group delivered robust 2025 results and outlined an ambitious strategy for 2026-2028, focusing on growth, efficiency, and shareholder value creation, underpinned by a strong Irish franchise and strategic investments.
Below is an HTML table comparing the key financial and debt metrics year-on-year for Bank of Ireland Group PLC based on the provided text:
**Notes:**
- Some metrics for 2024 were not explicitly provided in the text, so they are marked as "N/A".
- Changes are calculated based on the available data.
- The table includes key financial metrics such as profit, RoTE, net interest income, fee income, operating expenses, and debt-related metrics like loan book, customer deposits, and NPE ratio.
