Bank Of Ireland Group Stock Earnings Reports

Bank of Ireland reported a strong 2025 performance and unveiled a three-year (to 2028) strategy focused on: (1) continued growth in Ireland, (2) capital allocation optimization and (3) targeted investment in digital, resilience and wealth capabilities. Key 2025/near-term financials and priorities: loan and deposit books in Ireland grew 6% in 2025; wealth AUM rose 9% to a record EUR 60bn; organic capital generation in 2025 was 270bps (cumulative ~920bps / EUR 5bn over the cycle); reported CET1 was 15.1% after EUR 1.2bn distributions (100% payout: EUR 0.70 DPS + EUR 530m buyback). Guidance and targets: NII guidance upgraded — ~EUR 3.4bn in 2026, >EUR 3.6bn in 2027 and >EUR 3.85bn in 2028 (with upside potential towards EUR 4.0bn after 2028); income CAGR >4% (to >EUR 4.75bn by 2028); AUM targeted to >EUR 75bn by 2028 and EUR 100bn by 2030; statutory ROTE targeted to rise by >500bps to >16% by 2028; cost/income ratio targeted to mid-40s by 2028 with EUR 250m of identified efficiencies (three pillars: operating model, customer/process redesign including KYC, and third-party consolidation), stable total costs around EUR 2.2bn across the strategic horizon. Capital policy: average organic capital generation guidance ~260bps p.a.; CET1 guidance set around 14.5% through the cycle to support growth, distributions and investment. Asset quality: 2025 impairment charge EUR 193m (23bps), NPE ratio 2.2%; 2026 cost of risk expected low-to-mid 20bps. Strategic emphasis: deepen cross-sell between Retail, Wealth (Davy/New Ireland) and Corporate franchises, defend mortgage leadership in Ireland (target ~5% p.a. mortgage book growth), invest in digital (mobile app, SME platform, payments) and AI (contact center, fraud prevention, KYC). Management signals a pragmatic but growth-oriented plan with continued shareholder returns and scope to outperform targets if execution/market conditions allow.