Bank Of Ireland Group Plc · EURONEXT:BIRG
Bank Of Ireland — Debt Investor Presentation (March 2026)
78 slides from Bank Of Ireland's debt investor presentation, March 2026
Slide 1: FY 2025 Debt Investor Presentation
FY 2025 Debt Investor Presentation
Slide 2: Business & Strategic Overview
1 Business & Strategic Overview 2
Slide 3: Unrivalled position as Ireland's national champion bank
Unrivalled position as Ireland’s national champion bank > 4m customers across the Group Embedded in every #1 42% #2 c.33% community across Ireland ROI Retail Banking Mortgages Mortgage Everyday PCA market Powering 40% of all payments market share1 Banking share2 in the Irish economy 81% of our Irish
Slide 4: Ireland | A highly attractive market driving quality growth
Ireland | A highly attractive market driving quality growth1 Ireland avg GDP Forecast 2026-28 Ireland is one of the +3% (vs 2026-28 1.3% avg for both Euro area and UK) fastest growing European economies Ireland unemployment rate Jan 2026 4.7% (Euro area 6.2% Dec 2025) Demographics and wealth +17% Ex
Slide 5: Excellent business performance with momentum
Excellent business performance with momentum Delivering for our shareholders +5% +6pts +6% +6% +9% €1.4bn 270bps FY25 New RNPS Irish loans Irish deposits2 AUM PBT Organic customers1 y/y y/y y/y y/y capital generation 920bps +18% +16pts +33% +11% +54% €5.2bn Organic FY23-25 New RNPS Irish loans Irish
Slide 6: Transformed returns profile and delivered on financial targets over last cycle
Transformed returns profile and delivered on financial targets over last cycle Targets FY22 FY25 (FY23 - FY25) 13.9% Adjusted ROTE1 10.1% 16.3% ex motor finance c.15% Cost Income 54% 49% < 50% Ratio2 (CIR) 25% payout 3 56% payout 3 c.40-60% payout Ordinary dividend Progressive DPS 21c DPS 70c DPS Su
Slide 7: FY 2025 Financial Performance
2 FY 2025 Financial Performance 7
Slide 8: Strong FY25 financial performance
Strong FY25 financial performance FY 2024 FY 2025 Income statement (€m) (€m) Net interest income (NII) 3,565 3,371 • Irish loans and deposits +6%, AUM +9% Non-interest income 781 808 Total Income 4,346 4,179 • NII inflection point in 2025 Operating expenses (incl levies / regulatory fees) (2,093) (2
Slide 9: NII growing in 2026; accelerating into 2027 and 2028
NII growing in 2026; accelerating into 2027 and 2028 Loan FY25 net interest income drivers asset 285bps 311bps spread €243m (€518m) FY25 performance €118m (€37m) Lending income primarily reflects volume growth and structural hedge benefits €3.57bn €3.37bn Funding reflects lower cost of wholesale fun
Slide 10: Excellent performance in Irish lending
Excellent performance in Irish lending Net lending drivers FY25 performance Ireland lending +6% primarily residential mortgages €3.2bn €0.1bn (€1.6bn) International Corporate deleveraging reflecting disciplined capital allocation (€1.7bn) FX impact from weaker GBP and USD FY26 outlook €82.5bn €82.5b
Slide 11: Group's customer deposit franchise performed strongly
Group’s customer deposit franchise performed strongly Total customer deposit volumes €103.1bn +4% y/y €107.5bn FY25 performance Dec 24 Dec 25 Total deposits +4% (+5% constant FX), supported by strength of customer relationships and improved digital offering Irish Everyday Banking volumes Everyday B
Slide 12: Structural hedge key driver of NII trajectory in FY26 and beyond
Structural hedge key driver of NII trajectory in FY26 and beyond Structural hedge (gross fixed leg income)* Avg FY25 performance volume c.€64bn c.€66bn €67-68bn Average hedge volume c.€66bn (exit Avg 1.73% 1.89% c.2.05% volume €67bn); average duration c.3.5yrs yield Rollover/addition of swaps averag
Slide 13: Strong fee income growth of 7% y/y
Strong fee income growth of 7% y/y FY 2024 FY 2025 FY25 performance Fee income (€m) (€m) Wealth and Insurance +12% Wealth and Insurance 351 394 • Excellent performances in Davy and NIAC with Retail Ireland 269 262 modest one-off benefits in NIAC Retail UK (14) 9 • AUM +9% reflecting market growth
Slide 14: Operating expenses +3%, in line with guidance
Operating expenses +3%, in line with guidance Operating expenses drivers1 FY25 operating expenses performance (excluding non-core) Staff/other costs reflect inflation and investment €102m (€38m) Efficiencies equivalent to c.2% of FY24 costs Non-core items €430m in FY25 Customer redress charges €268m
Slide 15: Impairment charge better than guidance following strong H2
Impairment charge better than guidance following strong H2 Impairment (charge) / writeback components FY25 net loan loss experience and portfolio activity charge of €65m, Cost of risk net of €111m credit insurance (annualised) 33bps 13bps 23bps Impairment H2 impairment performance reflects net (€13
Slide 16: Capital, MREL & Liquidity
3 Capital, MREL & Liquidity 16
Slide 17: Excellent organic capital generation supports 100% distribution
Excellent organic capital generation supports 100% distribution CET1 ratio FY25 performance Organic capital generation of 270bps RWAs +€4.1bn RWAs €51.7bn RWA €55.8bn RWA of c.105bps • Investment in lending and CRT amortisation 270bps (105bps) (65bps / RWA €1.4bn) (225bps) • IRB model scalars (40bps
Slide 18: Regulatory Capital Ratios
Regulatory Capital Ratios CET1 Regulatory Capital Metrics Dec 24 Dec 25 • Movement in Regulatory ratio fully aligned to movement in Fully Loaded ratio CET1 Ratio 14.6% 15.1% Tier 1 Items/ Instruments: 1.9% 2.2% Tier 1 & Total Capital • Tier 1 bucket increased to 2.2%, reflecting Tier 1 Ratio 16.5% 1
Slide 19: Summary Balance Sheet
Summary Balance Sheet Dec 24 (€bn) Dec 25 (€bn) Liquidity • Funding and liquidity remains strong from growing customer deposits Customer loans 83 82 Liquid assets 44 46 Wealth and Insurance assets 28 29 Customer deposits: €107bn Other assets 7 8 • Group customer deposit volumes of €107.5bn were €4.4
Slide 20: Significant buffer to MDA Threshold
Significant buffer to MDA Threshold Regulatory CET1 Ratio vs MDA Threshold Regulatory CET1 Ratio vs MDA Threshold • Regulatory CET1 ratio of 15.1% at 31 Dec 2025 provides a buffer of c.3.7% c.3.7% MDA Buffer to Dec 2025 MDA threshold n Buffer • Updated CET1 guidance of c.14.5% for new strategic cycl
Slide 21: Risk Weighted Assets (RWAs)
Risk Weighted Assets (RWAs) Customer lending average credit risk weights – Dec 20251, 2 EBA transparency exercise 2025 (Based on regulatory exposure class) Country by country average IRB risk weights Residential Mortgages – Jun 2025 EAD 3 RWA Avg. Risk (€bn) (€bn) Weight Sweden 5.7% Belgium 8.9% Rep
Slide 22: Regulatory capital requirements
Regulatory capital requirements Pro-forma CET1 regulatory capital requirements 2025 2026 Pillar 1 – CET1 4.50% 4.50% Pillar 2 Requirement (P2R) 1.35% 1.35% Capital Conservation Buffer (CCB) 2.50% 2.50% Ireland Countercyclical Buffer (CCyB) 1.05% 1.05% UK Countercyclical Buffer (CCyB) 0.43% 0.43% US
Slide 23: Credit ratings
Credit ratings Instrument ratings BOIG BOIG (Stand alone (Senior ratings) BOIG GovCo BOIMB (ACS)1 BOIG GovCo ratings) Aaa Aaa Aaa C AAA AAA Investment Grade Aa1 Aa1 Aa1 AA+ AA+ A3 A2 Aa2 Aa2 Aa2 AA AA Stable Stable Aa3 Aa3 S Aa3 AA- AA- A1 A1 A1 A+ A+ A2 S A2 A2 A A S A3 A3 A3 A- S A- a- A- Baa1 T2
Slide 24: FY26 guidance
FY26 guidance Total costs (operating expenses Net interest income plus restructuring costs) c.€3.4bn c.€2.2bn Statutory Cost Income Ratio Fee income +c.4% y/y ROTE Flat vs FY25 c.12.5% Capital generation Cost of Risk c.250bps Low to mid-20s bps New basis of presentation aligns with wider internation
Slide 25: Summary highlights
Summary highlights • Excellent organic capital generation of 270bps in FY 2025; c.250bps expected in 2026 Capital • Updated CET1 guidance of c.14.5% for new strategic cycle • Future capital issuance influenced by market conditions and refinancing / growth opportunities • MREL ratio of 31.6% at Dec 2
Slide 26: Green Bond Framework
4 Green Bond Framework
Slide 27: Green Bond Framework
Green Bond Framework 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 through sustainable finance. Green Bond Framework P
Slide 28: Use of Proceeds (Green Bond Framework 2024)
Use of Proceeds (Green Bond Framework 2024) ICMA GBP Eligible Eligibility Criteria Example Green UN SDG Category Projects Residential and Commercial Buildings in Ireland • Residential and commercial buildings built before January 2021 belonging to the top 15% low carbon buildings in Ireland (BER lab
Slide 29: Our ESG Ratings
Our ESG Ratings • The Group participates in Agency Rating scale 2025 2024 Comment a number of ESG ratings and benchmarks with a Scale of 0 – 100, 15.9 16.6 The Group currently has a ranking of 166 out of 1011 banks globally focus on agencies that with a lower which equates to the 17th percentile. Th
Slide 30: 2024 Green Bond Framework
2024 Green Bond Framework 2024 Green Bond Framework Eligible Portfolio (FY25) As of FY25, Bank of Ireland has Some of the Eligible Green Assets c.€5.6bn of Eligible Green Assets under the 2024 Green Bond Total = Framework are also eligible under c.€5.6bn under the 2024 Green Bond Framework the 2021G
Slide 31: 2024 Green Bond Framework – FY25 Allocation Report
2024 Green Bond Framework – FY25 Allocation Report Green Eligible Assets Portfolio Green Liabilities 2024 Green Bond Framework Eligible Portfolio (FY25) Eligibility Criteria Number Amount ISIN Settlement Maturity Amount Total = of Loans (EUR) Date Date (EUR) €5.6bn Green Buildings – 239,585 3,323,27
Slide 32: 2021 Green Bond Framework – FY25 Allocation Report
2021 Green Bond Framework – FY25 Allocation Report Green Eligible Assets Portfolio Green Liabilities 2021 Green Bond Framework Eligible Portfolio (FY25) Eligibility Criteria Number Amount ISIN Settlement Maturity Amount Total = of Loans (EUR) Date Date (EUR) €7.9bn Green Buildings - 22,670 7,341,276
Slide 33: Strategy 2028
5 Strategy 2028 33
Slide 34: Strategy 2028: Growth | Operating Leverage | Returns
Strategy 2028 Growth | Operating Leverage | Returns Driving growth in Ireland Optimising capital allocation Investing for the future Grow in our home market Focus the Group portfolio on Deploy digital, data and AI capabilities while expanding fee income high returns with disciplined that improve cus
Slide 35: Growing with customers to meet their needs
Growing with customers to meet their Retail, Business, Wealth and Insurance needs > 4m customers across the Group Retail Ireland Corporate & Commercial Wealth and Insurance Retail UK 2.5m retail & small business customers c.13k relationships >650k customers >1m UK customers 54% PBT 1 29% PBT 1 6% PB
Slide 36: Retail Ireland Everyday Banking
Retail Ireland Everyday Banking | Deep relationships underpin our key value pool Strategy 2028 Personal c.33% 1 2.2m Leading share of new flows, deepen customer relationships in this core franchise and drive PCA market share Total retail customers Group cross-sell Small c.45%1 c.280k Retain: Busines
Slide 37: Retail Ireland Home Buying
Retail Ireland Home Buying | The market leader in Irish home buying €37.4bn 12% Strategy 2028 Book size, Dec 2025 Organic loan book growth, CAGR 2022-25 Disciplined book growth to 2028 Retain: Large market with strong #1 in market flow Ireland’s #1 mortgage provider growth trajectory €3.9bn FY22 to
Slide 38: Wealth and Insurance
Wealth and Insurance | Ireland’s leading wealth provider offering high growth, capital-lite income Strategy 2028 +c.15% >650k Invest and protect for the future. Ireland’s wealth leader. AUM CAGR (2022-25) Wealth and Insurance Customers Retain: Ireland’s #1 position as provider of choice Market >€400
Slide 39: Retail UK
Retail UK | Sustainable returns focus and selective lending growth Strategy 2028 £16.9bn 16% Full-service retail bank in Northern Ireland UK PLC ROTE FY25 & specialised GB lender Loans Dec 2025 1 Retain: High-quality secured loan book Growth through selective lending Diversified customer profile in
Slide 40: Corporate & Commercial Banking
Corporate & Commercial Banking | Unrivalled partner to Irish enterprise Strategy 2028 #1 >50% Augment leadership position in Ireland, deepen and Domestic Small and medium enterprise grow business through relationship banking model commercial bank lending share Retain: Strong structural housing deman
Slide 41: Technology and Digital investments transforming productivity
Technology and Digital investments transforming productivity and delivering customer value 2026-2028 New commercial Delivered 2023-2025 digital platform Key areas of focus Enhanced app experience Automated credit 200 app improvements decisioning for mortgages SEPA instant payments c.14m payments pro
Slide 42: Tangible AI progress to date with a clear plan to scale benefits
Tangible AI progress to date with a clear plan to scale benefits Where we are today Agentic infrastructure & enablement Early, tangible value • Scalable, strategic AI platform (H1, 2026) • Customer insights driven by +500 adaptive models • Rolled out AI academy, upskilling (+1000 colleagues) • Conta
Slide 43: Creating significant operating leverage
Creating significant operating leverage FY28 CIR to mid 40s c.6ppts improvement vs FY25 Cost and Income growth Step change in operating leverage across strategic plan R >4% come CAG In Supporting enhanced returns, capital generation Operating and investment capacity efficiency c.600bps Costs CAGR c.
Slide 44: Three major levers to deliver c.€250m in cost efficiencies
Three major levers to deliver c.€250m in cost efficiencies across the strategic cycle Operating model AI enabled process excellence 35% 35% Redesigned and simplified organisation End-to-end journey redesign Exiting select business lines – CB GB and US LAF Deploying new technology for process improve
Slide 45: Pulling it all together - Strategy 2028
Pulling it all together - Strategy 2028 driving significant shareholder value Driving growth in Ireland Optimising capital allocation Investing for the future Unrivalled position in Ireland’s Step-change in operating leverage structurally advantaged economy supports business model resilience, accele
Slide 46: Strategy 2028 Financial Targets
6 Strategy 2028 Financial Targets 46
Slide 47: Irish economic fundamentals underpin growth outlook
Irish economic fundamentals underpin growth outlook1 3.1% 2.25% >€18bn 4.8% 1.5% ~10% CAGR vs 2025 Avg GDP growth ECB deposit rate avg Avg Irish unemployment Avg Irish employment Irish mortgage market 2026-28 2028 rate 2026-28 growth 2026-28 drawdowns 2028 Deposit CAGR +c.3% Loan CAGR +c.4% AUM CAGR
Slide 48: Delivering income growth of >€0.5bn over plan
Delivering income growth of >€0.5bn over plan Key income drivers >€0.45bn €0.1bn NII growth of >€0.45bn FY26 c.€3.4bn FY27 >€3.6bn FY28 >€3.85bn >€4.75bn R CAG >4% Fee income growth c.€0.1bn c.€4.2bn c.4% CAGR FY25 Balance sheet Structural Deleveraging Fee FY28e growth hedge / other income Income CA
Slide 49: Structural hedge €0.5bn gross tailwind across strategic cycle
Structural hedge €0.5bn gross* tailwind across strategic cycle Avg volume c.€66bn €67-68bn €68-70bn > €70bn Avg rate 1.89% c.2.05% c.2.25% c.2.50% Structural hedge assumptions 1.25% 1.16% 1.06% Hedge duration 3.5yrs Average roll off yield on maturing hedges Future volume increases tied to growth c.€
Slide 50: Stable total costs outlook supported by efficiency measures
Stable total costs outlook supported by efficiency measures Total cost drivers Material efficiencies offsetting inflation, investment and business growth c.1% total cost CAGR FY25-28 c.3% avg FTE reduction p.a. €2.2bn c.€2.2bn FY28 CIR of mid 40s Ambition of <45% CIR by FY30 FY25 Inflation, investme
Slide 51: Three key levers to drive efficiency benefits
Three key levers to drive efficiency benefits Efficiency contribution Select examples • Completing execution of our redesigned organisation Operating 35% • Realising the benefits from our revamped change delivery model model • Exit of select business lines - CB GB, US LAF • BPO, Change and Technolog
Slide 52: Statutory ROTE to grow by >500bps during strategic cycle
Statutory ROTE to grow by >500bps during strategic cycle Key ROTE drivers Statutory ROTE of >16% in FY28 (equivalent to >19% on prior adjusted ROTE basis) Franchise growth: deposit and lending growth of 3-4%; fee income growth of c.4% CAGR 1.9% UK motor >16% finance Structural hedge tailwind as matu
Slide 53: Highly capital generative business supports attractive distributions
Highly capital generative business supports attractive distributions Key CET1 drivers Capital outlook Capital generation from growing profits; building to >270bps by FY28 RWA investment allocation of c.25% of capital generation Progressive ordinary DPS supported by c.50% payout of attributable profi
Slide 54: Financial targets – step change in earnings and returns profile
Financial targets – step change in earnings and returns profile FY25 FY26-28 financial targets Statutory ROTE 10.9% Building to >16% ROTE in 2028 (12.8% ex motor finance) Cost Income Ratio (CIR) 52% Reduce to mid 40s CIR in FY28 FY26 c.250bps; building to >270bps by FY28 Capital generation 270bps Ne
Slide 55: Bank of Ireland Investment Case
7 Bank of Ireland Investment Case 55
Slide 56: Strategy 2028 driving significant shareholder value
Strategy 2028 driving significant shareholder value >4% Income CAGR Mid 40s Unrivalled market position and franchise breadth c.1% Cost CAGR CIR FY28 Highly attractive home market Build to >16% Disciplined growth and momentum ROTE in FY28 (>500bps vs FY25) Creating operating leverage c.€3.7bn of Mid
Slide 57: re o ry = fe é=} na Ssausn% dajduis
re o ry = fe é=} na Ssausn% dajduis 57
Slide 58: Footnote glossary
Footnote glossary Slide 3: Unrivalled position as Ireland’s national champion bank Slide 14: Operating expenses +3%, in line with guidance 1. BPFI mortgage drawdowns report Q4 2025 1. Operating expenses excluding levies and regulatory fees of €129m 2. Department of Finance 2025 Consumer Sentiment Ba
Slide 59: Footnote glossary
Footnote glossary Slide 28: Use of Proceeds (Green Bond Framework 2024) Slide 37: Retail Ireland Home Buying | The market leader in Irish 1. In line with the EU EPBD directive, Ireland carries out a cost optimal analysis home buying to define NZEB requirements. At the time of writing, the cost optim
Slide 60: Appendices
Appendices 60
Slide 61: Appendices - table of contents
Appendices - table of contents Slide No. • BOI overview – customer loans / new lending volumes 62 • Ireland mortgages 63 • Net interest income analysis 64 • Additional NII disclosures 65 • Asset quality – Non-performing exposures by portfolio 66 – Portfolio by stage 67 – Forward Looking Information
Slide 62: Overview of customer loans
Overview of customer loans Profile of customer loans1 at Dec 2025 (gross) Composition (Dec 25) ROI (€bn) UK (€bn) RoW (€bn) Total (€bn) Total (%) Mortgages 37.4 14.9 0.0 52.4 63% Non-property SME & Corporate 11.1 3.0 4.2 18.4 22% SME 7.1 1.3 0.0 8.5 10% Corporate 4.0 1.7 4.2 9.9 12% Property and Con
Slide 63: Ireland mortgages: €37bn
Ireland mortgages: €37bn New lending volumes and market share Ireland mortgages (gross) 42% €37.0bn 41% 40% €32.0bn €34.0bn 28% €22.5bn €27.7bn €24.2bn €6.1bn €23.0bn €4.9bn €5.1bn €15.6bn €3.9bn €3.6bn €5.2bn €5.3bn €1.6bn €5.3bn €5.4bn €4.6bn €4.0bn FY22 FY23 FY24 FY25 Dec 22 Dec 23 Dec 24 Dec 25
Slide 64: Net interest income analysis
Net interest income analysis H1 2024 H2 2024 H1 2025 H2 2025 Average Gross Gross Average Gross Gross Average Gross Gross Average Gross Gross Volumes interest Rate Volumes interest Rate Volumes interest Rate Volumes interest Rate (€bn) (€m) (%) (€bn) (€m) (%) (€bn) (€m) (%) (€bn) (€m) (%) Ireland Loa
Slide 65: Additional NII disclosures
Additional NII disclosures Bond portfolio holdings €20.6bn (end Dec 2025) Loan asset spreads expanding despite lower rates 3.97% Senior 3.49% €0.6bn 3.08% 3.01% 2.82% 3.20% Irish Sovereign Bonds 2.88% 2.52% €5.4bn 2.61% 2.00% Agency €4.0bn 1.88% 1.55% H124 H224 H125 H225 Loan asset spread Liquid ass
Slide 66: Non-performing exposures by portfolio
Non-performing exposures by portfolio Non-performing Impairment loss Advances Non-performing exposures Impairment loss Composition (Dec 25) (€bn) (€bn) exposures as % of allowance (€bn) allowance as % of advances non-performing exposures Residential Mortgages 52.4 0.8 1.2% 0.2 37% – Republic of Ire
Slide 67: Portfolio by stage
Portfolio by stage Gross carrying amount Composition (Dec 25) Impairment loss allowance (before impairment loss allowance) ILA % of Stage 1 Stage 2 Stage 3 POCI Total Stage 1 Stage 2 Stage 3 POCI Total gross loans Sectoral Analysis by Stage €m €m €m €m €m €m €m €m €m €m Residential mortgages 48,959
Slide 68: Forward Looking Information (FLI) – macroeconomic scenarios
Forward Looking Information (FLI) – macroeconomic scenarios Ireland United Kingdom 31 December 2025 2025 2026 2027 2028-30 2025 2026 2027 2028-30 Probability weighted scenario Modified domestic demand1 3.4% 2.0% 1.9% 2.0% n/a n/a n/a n/a GDP growth1 10.7% 2.6% 2.6% 2.8% 1.3% 0.3% 0.7% 1.1% Unemploym
Slide 69: Ordinary shareholders' equity and TNAV
Ordinary shareholders’ equity and TNAV Dec 24 Dec 25 Movement in ordinary shareholders’ equity (€m) (€m) Ordinary shareholders’ equity at beginning of period 11,592 11,947 Movements: Profit for the period 1,531 1,201 Share buy back - repurchase of shares (520) (589) Dividend paid to ordinary shareho
Slide 70: CET1 ratio
CET1 ratio Regulatory ratio (€bn) Regulatory ratio (€bn) Capital ratios – 31 December 2025 Dec 24 Dec 25 Total equity 13.0 12.9 Foreseeable distribution1 (0.9) (1.0) Less Additional Tier 1 (1.1) (1.2) Deferred tax 2 (0.6) (0.4) Intangible assets and goodwill (1.1) (1.0) Expected loss deduction (0.0)
Slide 71: Divisional P&L
Divisional P&L Operating expenses Net impairment Total income Underlying profit / (incl levies and reg losses on financial 12 months ended December 2025 (incl JV/associates) (loss) before tax CIR* fees) instruments (€m) (€m) (€m) (€m) Retail Ireland 2,108 (684) (70) 1,354 32% Wealth and Insurance 39
Slide 72: Return on Tangible Equity (ROTE)
Return on Tangible Equity (ROTE) Headline vs. Adjusted Adjustments Other expenses / FY 2025 Adjusted for FY 2025 income and other Pension Headline CET1 ratio Adjusted valuation items, surplus (€m) at 14.0% (€m) net of tax Profit for the period 1,201 Coupon on Additional Tier 1 securities (86) Prefer
Slide 73: Cost Income Ratio
Cost Income Ratio Headline vs. Adjusted FY 2025 Pro-forma FY 2025 Headline adjustments pro-forma (€m) (€m) (€m) Net interest income 3,371 3,371 Other income – Business income 791 791 – Additional expenses and other valuation items (8) 8 0 Total Income 4,154 8 4,162 Costs – Operating expenses (2,034)
Slide 74: Sustainable Company - Practical, meaningful FY25 stakeholder outcomes
Sustainable Company - Practical, meaningful FY25 stakeholder outcomes Lower emissions Supporting the Green Transition €17.7bn ROI residential mortgages -26%; Commercial Sustainable finance +20% y/y property portfolios –34% ; Own operations – 64%2 Enhancing Financial #1 AI & fraud prevention 127m AI
Slide 75: Corporate Structure
Corporate Structure Holding company Capital / MREL Bank of Ireland Group plc (BOIG) AT1 Tier 2 Senior unsecured 100% The Governor and Company of the Bank of Ireland (GovCo) Senior unsecured Operating subsidiaries 1 100% 100% 100% Funding Wealth and Insurance Division Bank of Ireland Mortgage Bank Un
Slide 76: Forward-looking statement
Forward-looking statement This document contains forward-looking statements with respect to certain of Bank of Ireland Group plc (the ‘Company’ or ‘BoIG plc’) and its subsidiaries’ (collectively the ‘Group’ or ‘BoIG plc Group’) plans and its current goals and expectations relating to its future fina
Slide 77: Contact details
Contact details For further information please contact: • Group Chief Financial Officer Mark Spain tel: +353 1 250 8900 ext. 43291 mark.spain@boi.com • Investor Relations Eamonn Hughes tel: +353 87 202 6325 eamonn.hughes@boi.com Philip O’Sullivan tel: +353 86 358 7674 philip.osullivan1@boi.com Owen
Slide 78: FY 2025 Results
FY 2025 Results Investor.Relations@boi.com investorrelations.bankofireland.com
Bank of Ireland Group — Debt Investor Presentation (March 2026) on 6ix