Bank Of Ireland Group Plc · EURONEXT:BIRG
Bank Of Ireland — ESG Presentation (2025)
45 slides from Bank Of Ireland's sustainability presentation, 2025
Slide 1: FY 2024 ESG Investor Presentation
FY 2024 ESG Investor Presentation Classified as Public (Green)
Slide 2: Contents
Contents Introduction Environmental Social Governance Introduction 3-6 Governance 21-25 3 Our Group Strategy 21 Corporate and Sustainability Organisation 4-5 Our Sustainability Strategy and Roadmap 22 Governance Foundation Topics 6 Sustainability at a glance in 2024 23 ESG Ratings Environmental 7-13
Slide 3: Our Group Strategy
Our Group Introduction Environmental Social Governance Strategy Our Group strategy for 2023-2025 builds on our 240-year business Values Strategic heritage and is guided by our purpose, Pillars which is to help customers, colleagues, Customer s Co shareholders and society to thrive. er lle first m Su
Slide 4: Our Sustainability Strategy
Our Sustainability Introduction Environmental Social Governance Strategy Group Sustainability Strategy aligned to UN SDGs which interconnect broader ESG considerations beyond climate and net zero. Sustainability Pillars Supporting the Enhancing Helping Our Green Transition Financial Wellbeing Collea
Slide 5: Our Sustainability Roadmap
Our Sustainability roadmap Introduction Environmental Social Governance We are committed to working with our customers, colleagues and communities to support 2050 Net their transition to a resilient, net zero economy by 2050 in line with government ambitions and actions. E Environmental Launched ‘In
Slide 6: Sustainability at a glance in 2024
Sustainability Introduction Environmental Social Governance at a glance in 2024 Gender Equality Co-lead UNEP FI and UN #1 bank recognised Neuroinclusion Strategy launched to support neurodivergent colleagues Women’s Working Group on Gender Equality Commitment; for Financial 48% female appointments t
Slide 7: Environmental
Introduction Environmental Social Governance c.€4.8bn Leading Total issuance in bonds lender to EVs through Green Bond Partnership with Nevo Framework. Ireland’s only dedicated EV platform to help support EV transition and education €14.7bn 96% Environmental of our 2030 emissions Sustainability-rela
Slide 8: Climate Transition Plan
We are committed to supporting a Introduction Environmental Social Governance transition to a resilient, net zero and nature positive economy by 2050 Climate Transition Plan Science Managing Transparently Sustainable Decarbonising Based Targets climate – reporting our finance our operations (SBTs) r
Slide 9: BOI has set Decarbonisation Targets to Reduce Emissions
BOI has set Decarbonisation Introduction Environmental Social Governance Targets to Reduce Emissions Science Based Targets Science Based Targets 2024 in scope lending initiative (SBTi) emissions SBT pathway convergence reduction targets cover all %Lending Measurement Baseline Intensity Progress to r
Slide 10: Sustainable Finance
Sustainable Finance Introduction Environmental Social Governance Lending €15bn by 2025 and €30bn by 2030 Sustainable finance portfolio (Dec 2024)1 Portfolio 2% • In 2024, our Sustainable finance portfolio grew by c.32% 10% 2% reaching €14.7 billion Ireland green mortgages €8.6bn • Leading provider o
Slide 11: Spotlight on our award-winning EcoSaver Mortgages
Sustainable Finance Introduction Environmental Social Governance Spotlight on our award-winning EcoSaver Mortgages Bank of Ireland at the centre of Sustainability ecosystem Residential sector Sustainability in action: EcoSaver Mortgages In April 2024, we EcoSaver: discounted pricing on fixed rate la
Slide 12: Spotlight on Enviroflex – supporting agri-business
Sustainable Finance Introduction Environmental Social Governance Spotlight on Enviroflex – supporting agri-business Bank of Ireland at the centre of Sustainability ecosystem Agriculture sector Sustainability in action: Sustainability-linked loans Initially launched in November 2023, in Extensive res
Slide 13: Taking Nature-Positive Action
Taking Nature-Positive Action Introduction Environmental Social Governance We understand that the biggest impact we can have is through the finance and guidance that we provide to our customers. Environmental objectives are integrated into our customer engagement strategies 1. Sustainable finance an
Slide 14: Social
#1 Introduction Environmental Social Governance bank recognised for Financial Wellbeing among Irish 48% consumers female leadership appointments (+2 points vs 2023) >105,000 students took part in our Financial Literacy Programmes 75% for the 2023/2024 school year >28,000 Social colleague engagement
Slide 15: Enhancing Financial Wellbeing driven by three key pillars
Enhancing Financial Wellbeing Introduction Environmental Social Governance driven by three key pillars Our Financial Wellbeing commitment is to empower people with the knowledge and skills to make the most of their finances so they can be in control of their everyday spending, have a plan for the fu
Slide 16: Spotlight on UNPRB Commitment
Spotlight on UNPRB Commitment Introduction Environmental Social Governance to build a more financially resilient and confident Ireland Goal: Increase - from 62% to 70% - by 2030 the percentage of customers who are confident (strongly or somewhat) that they have funds available to cover an unexpected
Slide 17: Spotlight on UNPRB Commitment
Spotlight on UNPRB Commitment Introduction Environmental Social Governance to build a more financially resilient and confident Ireland Goal: Increase - from 44% to 50% - by 2030 the percentage of customers who are confident (strongly or somewhat) that they have funds (savings or insurance) available
Slide 18: Responsible Investment
Responsible Investment Introduction Environmental Social Governance Leveraging our role as an investor With over €25bn assets under management Davy has €30bn in AUM and is the leading (AUM), New Ireland is one of Ireland’s leading private wealth manager in Ireland providers of life assurance, pensio
Slide 19: Our People are our Greatest Asset
Our People are our Introduction Environmental Social Governance Greatest Asset 01 02 03 Build a future-ready Create a differentiated Simplify our Ways of Working workforce Colleagues experience and rewarding Colleagues Growing a future-ready society Enhanced Family Matters policies Cultivating conne
Slide 20: Social Foundation Topics
Social Foundation Topics Introduction Environmental Social Governance Social Community Health and Responsible Human Housing Investment Safety Sourcing Rights We support the Irish We are supporting the local Ensuring all our locations are Human rights and environmental In 2024 the Group’s first Gover
Slide 21: Governance
Introduction Environmental Social Governance ‘Sustainable Company’ Embedded as a core Group strategic pillar Governance First ESG investor roadshow Sustainability website First CSRD refreshed Sustainability Statement Published in February 2025 Classified as Public (Green)
Slide 22: Corporate and Sustainability Organisation
Corporate and Introduction Environmental Social Governance Sustainability Organisation Group role, responsibilities and remuneration Bank of Ireland Group PLC Board The responsibility of the Board Oversight Group Sustainability Committee include: Group • Oversight of Group Sustainability Strategy Bo
Slide 23: Governance Foundation Topics
Governance Foundation Topics Introduction Environmental Social Governance Culture Business Cyber Data Financial Ethics Security Protection Crime Our culture is rooted in our We are committed to applying We continue to invest in our The appropriate management Protecting the financial system’s purpose
Slide 24: Our ESG Ratings
Our ESG Ratings Introduction Environmental Social Governance The Group participates in a number of ESG ratings and Agency Rating scale 2024 2023 Comment benchmarks with a focus on The Group’s score was in the low-risk agencies that have a strong Scale of 0 – 100, category placing the Group in the re
Slide 25: Green Bond Framework
Green Bond Framework Introduction Environmental Social Governance Green Bond issuance is an important part of the Group’s Responsible and Sustainable Business Strategy as we look to finance our customers’ transition to the low carbon economy and take an active role in combating climate change throug
Slide 26: 2021 Green Bond Framework – FY24 Allocation Report
2021 Green Bond Framework – Introduction Environmental Social Governance FY24 Allocation Report 2021 Green Bond Framework Green Eligible Assets Portfolio Green Liabilities Eligible Portfolio (FY24) Eligibility Number Amount ISIN Settlement Maturity Amount 4% 1% Criteria of Loans (EUR) Date Date (EUR
Slide 27: Appendix
Appendix Classified as Public (Green)
Slide 28: Sustainable Finance
Sustainable Finance Introduction Environmental Social Governance Supporting all our customers ROI Homebuying ROI Business Corporate Banking New Ireland Davy and Everyday Banking (SME) Banking Homebuying and Everyday Business Banking Corporate Banking New Ireland aim to be a Davy offers a range of Ba
Slide 29: Decarbonising our own Operations
Decarbonising our own Operations Introduction Environmental Social Governance We have achieved a 47% emissions reduction from our 2020 baseline Net Zero Pathway for Own Operations (Scope 1 & 2) FY 2024 Emissions (Scope 1, 2 & 3) 2024 2023 Metric tC02e tC02e Scope 1 fuel consumption 3,537 3,615 Scope
Slide 30: Financed Emissions
Financed Emissions Introduction Environmental Social Governance 2024 Weighted PCAF Gross Financed of which; of which; average average Scope 3 financed emissions carrying emissions Scope 1 and 2 Scope 3 carbon quality Customer Lending amount €bn (ktons CO2e) (ktons CO2e) (ktons CO2e) intensity data s
Slide 31: Managing Climate-Related Risks
Managing Climate-Related Risks Introduction Environmental Social Governance Commercial lending exposure to sectors Energy efficiency of property lending portfolios (FY2024) that contribute to climate change 5.9% 3.1% EPC Accomodation Transportation and storage RoI mortgages UK mortgages CRE rating a
Slide 32: Managing Climate-Related Risks
Managing Climate-Related Risks Introduction Environmental Social Governance Exposure sensitive to climate change: physical 14% 85% Exposure sensitive to chronic physical Exposure sensitive to acute physical Exposure to physical risks only risks only climate risks 1% Exposure sensitive €1.4bn Six sub
Slide 33: Managing Climate-Related Risks: Flood Risk Scenario
Managing Climate-Related Risks: Introduction Environmental Social Governance Flood Risk Scenario % of total % of regional RoI (c.€34.6bn) and UK (c.€16.1bn) mortgage portfolios – As an additional lens to identify Area mortgage lending lending at risk flood risk by region in forward looking stress ex
Slide 34: Green Bond Framework
Green Bond Framework Classified as Public (Green)
Slide 35: Pillar 1: Use of Proceeds (Green Bond Framework 2024)
Pillar 1: Use of Proceeds (Green Bond Framework 2024) ICMA GBP Eligible Category Eligibility Criteria Example Green Projects UN SDG Residential and Commercial Buildings in Ireland • Residential and commercial buildings built before January 2021 belonging to the top 15% low carbon buildings in Irelan
Slide 36: Pillar 2: Project Evaluation and Selection Process
Pillar 2: Project Evaluation and Selection Process All potential Eligible Assets go through the standard credit process, which All potential Eligible Assets need to comply with local laws and regulations, is governed by the Group Credit Policy and Group Credit Framework including any applicable regu
Slide 37: Pillar 3: Management of Proceeds
Pillar 3: Management of Proceeds The 2021 Green Bond Framework will remain applicable for existing Green Bonds issued before the inception of the 2024 Green Bond Framework. The 2024 Green Bond Framework will be used for all new Green Bond issuances from 2024 onwards. 2021 Green Bond Framework 2024 G
Slide 38: Pillar 3: Management of Proceeds
Pillar 3: Management of Proceeds The proceeds of the Green Finance Instruments issued 2021 GBF Eligible Portfolio 2024 GBF Eligible Portfolio under this Framework will be managed and tracked & Green Liabilities (FY24) & Green Liabilities (FY24) by the Group on the basis of a portfolio approach The G
Slide 39: Pillar 4: Reporting
Pillar 4: Reporting Within one year of issuance, and annually thereafter, the Group will produce an external report to investors comprising an Allocation Report and an Impact Report, subject to the availability of suitable information and data These reports shall be made publicly available via the G
Slide 40: 2024 Green Bond Framework – Identified assets
2024 Green Bond Framework – Identified assets 2024 Green Bond Framework As of FY24, Bank of Ireland has Some of the Eligible Green Eligible Portfolio (FY24) identified c.€3.1bn of Eligible Assets under the new 2024 Green Assets under the new Green Bond Framework are 10% 2024 Green Bond Framework als
Slide 41: Second Party Opinion
Second Party Opinion “Sustainalytics is of the opinion that the Bank of Ireland Green Bond Framework is credible and impactful and aligns with the four core components of the Green Bond Principles 2021” Sustainalytics’ assessment of the Bank of Ireland’s Green Bond Framework concluded that the: • Gr
Slide 42: Second Party Opinion – EU Taxonomy Alignment
Second Party Opinion – Introduction Environmental Social Governance EU Taxonomy Alignment Performed by Green Buildings Renewable Energy Clean Transportation Eligible Green Category (Residential & Commercial) (Wind & Solar) (Electric Vehicles) Geography Ireland & UK Ireland & UK Ireland & UK Technica
Slide 43: Contact details
Contact details For further information please contact: Investor Relations Team Eamonn Hughes tel: +353 87 202 6325 eamonn.hughes@boi.com Philip O’Sullivan tel: +353 86 358 7674 philip.osullivan1@boi.com Owen Callan tel: +353 86 047 1678 owen.callan@boi.com Investor Relations website www.bankofirela
Slide 44: Disclaimer
Disclaimer General: This document is intended to provide non-exhaustive, general information and does not purport to be comprehensive. This document may contain or incorporate by reference public information not separately reviewed, approved or endorsed by Bank of Ireland Group plc and its subsidiar
Slide 45: The New EcoSaver Mortgage
The New EcoSaver Mortgage Search EcoSaver Mortgage You must supply a BER (Building Energy Rating) certificate to avail of the EcoSaver mortgage. Available with fixed rates only. Lending criteria, terms & conditions apply. 18+. Mortgage approval subject to assessment of suitability & affordability. S