Bank Of Ireland Group Plc · EURONEXT:BIRG
Bank Of Ireland — ESG Presentation (2025)
44 slides from Bank Of Ireland's sustainability presentation, 2025
Slide 1: FY 2025 ESG Investor Presentation
FY 2025 ESG Investor Presentation Classified as Public (Green)
Slide 2: Contents
Contents Introduction Environmental Social Governance Introduction 3 - 5 Governance 19 - 26 20 Sustainability Governance 3 Group Strategy 2026 to 2028 21 Governance Topics 4 Sustainability Strategy 2026 to 2028 22 ESG Ratings 5 Sustainability Strategy 2023 to 2025 23 - 26 Green Bond Framework and Al
Slide 3: Group Strategy 2026 to 2028
Group Strategy 2026 to 2028 Introduction Environmental Social Governance We remain committed to our existing businesses, with our new strategy delivering across three priorities: 1. Reaching our full potential and scale in Ireland, by enhancing our Mortgage, Wealth and Insurance, and Everyday Bankin
Slide 4: Sustainability Strategy 2026 to 2028
Sustainability Strategy 2026 to 2028 Introduction Environmental Social Governance Sustainability remains both a commercial imperative and a core expression of our purpose to help customers, colleagues, shareholders and society to thrive Sustainability Strategy 2026 - 2028 Our ambition is to support
Slide 5: Sustainability Strategy 2023 to 2025
Sustainability Strategy 2023 to 2025 Introduction Environmental Social Governance Lookback on commitments and key outcomes from the 2023 – 2025 strategic cycle For the 2023-2025 strategic cycle we committed to: Supporting The Green Transition: Enhancing Financial Wellbeing Enabling Colleagues to Thr
Slide 6: Environmental
Introduction Environmental Social Governance €1.5bn Environmental Supporting the Green Transition Classified as Public (Green)
Slide 7: Green Transition
Green Transition Introduction Environmental Social Governance We are committed to supporting a transition to a resilient, net zero and nature positive economy by 2050 Science Sustainable Decarbonising Managing Transparently Based Targets finance our operations climate – reporting our (SBTs) related
Slide 8: BOI Decarbonisation Targets
BOI Decarbonisation Targets Introduction Environmental Social Governance Science Based Targets 2025 in scope lending SBT pathway convergence required %Lending Measurement Baseline Intensity Progress to progress RAG €bn in 2025 Technology Position Science-based target vs. 2020 baseline date by 2025 b
Slide 9: Sustainable Finance
Sustainable Finance Introduction Environmental Social Governance In 2025, our Sustainable finance portfolio increased by 20% to €17.7 billion Sustainable finance portfolio (Dec 2025) Portfolio 1% • €17.7 billion sustainability-related finance, exceeding 2025 target of €15 10% billion by 18%. On trac
Slide 10: Sustainable Finance: Spotlight on EcoSaver Mortgages
Sustainable Finance Introduction Environmental Social Governance Spotlight on our award-winning EcoSaver Mortgages Growth in Green Finance Residential sector during 2025 was materially Sustainability in action: EcoSaver Mortgages driven by RoI Green Mortgages EcoSaver: discounted pricing on fixed ra
Slide 11: Sustainable Finance: Spotlight on Enviroflex
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 12: Sustainable Finance: Spotlight on Sustainable Business Coach
Sustainable Finance Introduction Environmental Social Governance Spotlight on Sustainable Business Coach We are committed to supporting our customers through their green transition – Sustainable Business Coach is a key element of our approach to delivering on that commitment. This tool can help Iris
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
Introduction Environmental Social Governance Social #1 Enhancing Financial Wellbeing and Enabling Colleagues to Thrive Classified as Public (Green)
Slide 15: Enhancing Financial Wellbeing
Enhancing Financial Wellbeing Introduction Environmental Social Governance 01 Fostering Financial 02 Improving Financial 03 Building a more Financially Inclusion Literacy & Capability Resilient and Confident Ireland • First and, to date, only bank in Ireland to sign the UN • In 2025, more than 26,00
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 Goal: Increase - from 44% to 50% - by 2030 the percentage of customers customers who are confident (stro
Slide 17: Social Topics
Social Topics Introduction Environmental Social Governance Supporting Social Community Responsible Human Housing Housing Investment Sourcing Rights Housing is the most pressing issue We support the Irish Government’s We are supporting the local Human rights and environmental In 2025 we continued to
Slide 18: Enabling Colleagues to Thrive
Enabling Colleagues to Thrive Introduction Environmental Social Governance 01 Build a future-ready workforce 02 Create a differentiated colleague experience 03 Simplify our ways of working and rewarding colleagues Growing a future-ready society Enhanced Family Matters policies Cultivating connection
Slide 19: Governance
Introduction Environmental Social Governance Governance Classified as Public (Green)
Slide 20: Sustainability Governance
Sustainability Governance Introduction Environmental Social Governance Group Sustainability Committee is responsible for guiding the development and direction of the Group’s Sustainability Strategy, ensuring it aligns with key stakeholder interests and recommending it to the Board for approval • The
Slide 21: Governance Topics
Governance 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 “Helping Y
Slide 22: ESG Ratings
ESG Ratings Introduction Environmental Social Governance Agency Rating scale 2025 2024 Comment The Group participates in Scale of 0 – 100, The Group currently has a ranking of 166 out of with a lower 1011 banks globally which equates to the 17th a number of ESG ratings and score being 15.9 16.6 perc
Slide 23: 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 24: 2024 Green Bond Framework
2024 Green Bond Framework Introduction Environmental Social Governance As of FY25, Bank of Ireland has Some of the Eligible Green €5.6bn of Eligible Assets under the 2024 2024 Green Bond Framework Green Assets under the Green Bond Framework are Eligible Portfolio (FY25) 2024 Green Bond Framework als
Slide 25: 2024 Green Bond Framework: FY25 Allocation Report
2024 Green Bond Framework Introduction Environmental Social Governance FY25 Allocation Report Green Eligible Assets Portfolio Green Liabilities 2024 Green Bond Framework Eligible Portfolio (FY25) Eligibility Number Amount Settlement Maturity Amount ISIN Criteria of Loans (EUR) Date Date (EUR) 10% (€
Slide 26: 2021 Green Bond Framework: FY25 Allocation Report
2021 Green Bond Framework Introduction Environmental Social Governance FY25 Allocation Report 2021 Green Bond Framework Green Eligible Assets Portfolio Green Liabilities Eligible Portfolio (FY25) Eligibility Number Amount ISIN Settlement Maturity Amount 1% Criteria of Loans (EUR) Date Date (EUR) 6%
Slide 27: Appendix
Appendix Classified as Public (Green)
Slide 28: Sustainable Finance
Sustainable Finance Supporting all our customers through our Business Model and Product Offerings The Group's range of sustainable products and services are carefully designed to help customers make real, impactful changes. This includes green mortgages, loans for eco-friendly cars, loans for home r
Slide 29: Decarbonising our own Operations
Decarbonising our own Operations We have achieved a 64%1 emissions reduction in absolute scope 1 and 2 GHG emissions from our 2020 baseline Net Zero Pathway for Own Operations (Scope 1 & 2) Group’s FY 2025 GHG Emissions (Scope 1, 2 & 3) 2025 2024 Metric tC02e tC02e Gross Scope 1 emissions (fuel cons
Slide 30: Financed Emissions
Financed Emissions 2025 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 score Non-Financial Corporates 25 9,614 1,110
Slide 31: Climate Risk Management
Climate Risk Management Commercial lending exposure to sectors that Exposure to transition contribute to climate change (FY 2025) climate risks 3% 9% Low Contributing Sectors Sectoral Concentration The Group has no direct exposure to Agri, Forestry & Fishing fossil fuels in energy and extraction 32%
Slide 32: Climate Risk Management
Climate Risk Management Energy efficiency of property lending portfolios Exposure to transition (€62bn as at FY2025) climate risks Property Energy Efficiency 45% of our Republic of Ireland (ROI) mortgage portfolio and 13% of our United Kingdom (UK mortgage portfolio corresponds to properties in the
Slide 33: Climate Risk Management
Climate Risk Management Exposure sensitive to physical climate risk 13% 1% 86% Exposure to physical climate risks Six sub-types of risk that have been €1.4bn Acute only categorised into acute and physical risk categories as follows: 1.63% lending Both Chronic only Acute physical risk Chronic physica
Slide 34: Climate Risk Management
Climate Risk Management Flood Risk Scenario Analysis % of total % of regional RoI (c.€37.7bn) and UK (c.€14.8bn) mortgage portfolios – As an additional lens to identify Area mortgage lending lending at risk flood risk by region in forward looking stress exposures sensitive to physical risk, 1. Borde
Slide 35: Green Bond Framework
Green Bond Framework Classified as Public (Green)
Slide 36: 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 37: 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 38: 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 is being used for all new Green Bond issuances from 2024 onwards. 2021 Green Bond Framework 2024
Slide 39: 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 (FY25) & Green Liabilities (FY25) by the Group on the basis of a portfolio approach The G
Slide 40: 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 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 – 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 Technical Screening Criteria Partially Aligned1 Align
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 Stacey Albert Tel: +353 87 345 7542 stacey
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