BANK OF IRELAND GROUP PLC financials
BANK OF IRELAND GROUP PLC
Country: GB Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
635400C8EK6DRI12LJ39 Financial statements
(EUR, as reported — unscaled; 151 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €2.47B | €2.44B |
| Operating profit (EBIT) | €1.37B | €1.81B |
| Profit before tax | €1.39B | €1.85B |
| Income tax expense | €192.0M | €324.0M |
| Profit for the year | €1.20B | €1.53B |
| — attributable to owners | €1.20B | €1.53B |
| — attributable to NCI | €0 | €0 |
| Total comprehensive income | €965.0M | €1.93B |
| Per share | ||
| Basic EPS | €1.15 | €1.42 |
| Diluted EPS | €1.15 | €1.42 |
| Free cash flow / share | €3.66 | €2.32 |
| Cash flow statement | ||
| Cash generated from operations | €4.12B | €2.75B |
| Net cash from operating activities | €3.99B | €2.64B |
| Net cash from investing activities | -€12.45B | -€557.0M |
| Purchase of PP&E (capex) | €160.0M | €140.0M |
| Purchase of intangibles | €310.0M | €380.0M |
| Net cash from financing activities | -€1.22B | -€1.48B |
| Dividends paid | €513.0M | €973.0M |
| Lease liability payments | €46.0M | €57.0M |
| Balance sheet | ||
| Total assets | €164.80B | €161.81B |
| Intangible assets & goodwill | €1.59B | €1.50B |
| Cash & equivalents | €24.62B | €34.17B |
| Total equity | €12.92B | €13.01B |
| — attributable to owners | €12.92B | €13.01B |
| Non-controlling interests | €3.0M | €3.0M |
| Deferred tax liabilities | €43.0M | €58.0M |
| Derived metrics | ||
| Free cash flow | €3.83B | €2.50B |
| Return on equity | 9.3% | 11.8% |
| Cash conversion ratio | 3.32× | 1.72× |
| Capex coverage | 24.96× | 18.85× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€78.0M | -€94.0M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | €0 | €109.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€1.28B | -€1.94B |
| Adjustments For Decrease Increase In Other Assets | -€148.0M | €2.0M |
| Adjustments For Decrease Increase In Other Operating Receivables | €77.0M | -€92.0M |
| Adjustments For Decrease Increase In Trade and Other Receivables | -€161.0M | -€12.0M |
| Adjustments For Depreciation and Amortisation Expense | €325.0M | €311.0M |
| Adjustments For Fair Value Gains Losses | -€1.58B | -€3.10B |
| Adjustments For Gains Losses On Change In Fair Value of Derivatives | €330.0M | €40.0M |
| Adjustments For Gains Losses On Fair Value Adjustment Investment Property | €0 | -€40.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €222.0M | €168.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Property Plant and Equipment | €0 | €2.0M |
| Adjustments For Increase Decrease In Deposits From Banks | -€399.0M | -€1.39B |
| Adjustments For Increase Decrease In Deposits From Customers | €5.17B | €2.20B |
| Adjustments For Increase Decrease In Employee Benefit Liabilities | €14.0M | €34.0M |
| Adjustments For Increase Decrease In Insurance Reinsurance and Investment Contract Liabilities | €637.0M | €1.53B |
| Adjustments For Increase Decrease In Other Liabilities | -€1.08B | €553.0M |
| Adjustments For Increase Decrease In Other Operating Payables | €26.0M | €196.0M |
| Adjustments For Increase Decrease In Trade and Other Payables | €31.0M | €34.0M |
| Adjustments For Provisions | €341.0M | €231.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €25.0M | €34.0M |
| Cancellation of Treasury Shares | €0 | €0 |
| Cash and Bank Balances At Central Banks | €22.96B | €32.44B |
| Cash Flows From Used In Operations Before Changes In Working Capital | €2.23B | €2.79B |
| Comprehensive Income Attributable To Noncontrolling Interests | €0 | €0 |
| Comprehensive Income Attributable To Owners of Parent | €965.0M | €1.93B |
| Current Tax Assets | €102.0M | €37.0M |
| Current Tax Liabilities | €4.0M | €29.0M |
| Debt Instruments Held | €18.37B | €6.39B |
| Debt Securities | €7.79B | €9.13B |
| Deferred Tax Assets | €390.0M | €546.0M |
| Deposits From Banks | €1.37B | €1.80B |
| Deposits From Customers | €107.49B | €103.07B |
| Derivative Financial Assets | €2.66B | €3.48B |
| Derivative Financial Liabilities | €2.36B | €3.67B |
| Dividends Received From Joint Ventures Classified As Investing Activities | €27.0M | €36.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €124.0M | -€66.0M |
| Equity and Liabilities | €164.80B | €161.81B |
| Expense of Restructuring Activities | €133.0M | €57.0M |
| Fee and Commission Expense | €201.0M | €212.0M |
| Fee and Commission Income | €763.0M | €729.0M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | -€15.0M | €36.0M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €2.99B | €3.38B |
| Financial Assets At Fair Value Through Profit Or Loss | €25.59B | €24.00B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €244.0M | €166.0M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | -€3.0M | €33.0M |
| Gains Losses On Cash Flow Hedges Net of Tax | €291.0M | -€448.0M |
| Gains Losses On Exchange Differences On Translation Net of Tax | -€168.0M | €138.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €18.0M | -€1.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €192.0M | €107.0M |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€52.0M | -€25.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €123.0M | €113.0M |
| Increase Decrease In Cash and Cash Equivalents | -€9.55B | €533.0M |
| Increase Decrease In Working Capital | -€1.89B | €42.0M |
| Increase Decrease Through Transactions With Owners | -€1.05B | -€1.48B |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | €0 |
| Insurance Contracts That Are Liabilities | €17.20B | €16.68B |
| Insurance Finance Income Expenses | €10.0M | €26.0M |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€632.0M | -€1.54B |
| Insurance Revenue | €521.0M | €536.0M |
| Insurance Service Expenses From Insurance Contracts Issued | €406.0M | €476.0M |
| Insurance Service Result | €63.0M | €35.0M |
| Interest Expense | €1.88B | €3.14B |
| Interest Income On Other Financial Assets | €751.0M | €950.0M |
| Interest Paid Classified As Operating Activities | €1.82B | €3.11B |
| Interest Received Classified As Operating Activities | €5.56B | €6.97B |
| Interest Revenue Calculated Using Effective Interest Method | €4.50B | €5.79B |
| Interest Revenue Expense | €3.37B | €3.60B |
| Investment Contracts Liabilities | €10.18B | €9.20B |
| Investment Property | €833.0M | €771.0M |
| Investments In Associates | €173.0M | €133.0M |
| Investments In Joint Ventures | €75.0M | €80.0M |
| Issued Capital | €953.0M | €1.00B |
| Items In Course of Collection From Other Banks | €139.0M | €114.0M |
| Items In Course of Transmission To Other Banks | €320.0M | €218.0M |
| Lease Liabilities | €324.0M | €366.0M |
| Liabilities | €151.88B | €148.80B |
| Loans and Advances To Banks | €1.66B | €1.74B |
| Loans and Advances To Customers | €82.48B | €82.54B |
| Merger Reserve | €17.0M | €17.0M |
| Miscellaneous Other Operating Income | €63.0M | €74.0M |
| Operating Lease Income | €121.0M | €109.0M |
| Other Adjustments For Noncash Items | -€12.0M | -€30.0M |
| Other Assets | €1.42B | €1.13B |
| Other Cash Payments To Acquire Interests In Joint Ventures Classified As Investing Activities | €1.0M | €4.0M |
| Other Comprehensive Income | -€236.0M | €395.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | €28.0M | €2.0M |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | €9.0M | €0 |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€164.0M | €125.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €18.0M | -€1.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€129.0M | €271.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €2.0M | -€2.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€118.0M | €126.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€118.0M | €269.0M |
| Other Equity Interest | €1.19B | €1.06B |
| Other Liabilities | €2.83B | €2.76B |
| Other Reserves | -€15.0M | €22.0M |
| Payments To Acquire Or Redeem Entitys Shares | €589.0M | €520.0M |
| Proceeds From Issue of Subordinated Liabilities | €0 | €498.0M |
| Proceeds From Sales of Investment Property | €9.0M | €11.0M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €42.0M | €39.0M |
| Property Plant and Equipment Including Rightofuse Assets | €815.0M | €811.0M |
| Provisions | €492.0M | €235.0M |
| Purchase of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €194.0M | €0 |
| Purchase of Investment Property | €84.0M | €24.0M |
| Purchase of Treasury Shares | €589.0M | €520.0M |
| Reclassification Adjustments On Cash Flow Hedges Net of Tax | €263.0M | -€450.0M |
| Reclassification Adjustments On Exchange Differences On Translation Net of Tax | -€4.0M | €13.0M |
| Recognised Assets Defined Benefit Plan | €870.0M | €997.0M |
| Recognised Liabilities Defined Benefit Plan | €2.0M | €3.0M |
| Reinsurance Contracts Held That Are Assets | €1.33B | €1.45B |
| Repayments of Subordinated Liabilities | €0 | €300.0M |
| Retained Earnings | €10.34B | €10.47B |
| Revenue and Operating Income | €4.17B | €4.41B |
| Revenue From Interest | €5.25B | €6.74B |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €25.0M | €34.0M |
| Share Premium | €456.0M | €456.0M |
| Subordinated Liabilities | €1.85B | €1.85B |
| Trading Income Expense | €71.0M | €105.0M |
| Treasury Shares | €4.0M | €7.0M |
| Weighted Average Share Price2019 | €11.61 | €9.75 |
Methodology
Every line item above is a fact tagged in BANK OF IRELAND GROUP PLC's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.