Bank of Ireland Group plc (BIRG) Q4 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Bank Of Ireland Group Plc.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.539 Good morning, everyone. I'm Eamonn Hughes, Investor Relations Officer, and you're all 00:00:04.539 -- 00:00:08.906 very welcome to Bank of Ireland's 2025 results and strategy update. 00:00:08.906 -- 00:00:13.093 Myles will shortly take you through an overview of our business and how it performed 00:00:13.093 -- 00:00:17.962 over the last cycle. Mark will then go through the key points from our 2025 financial 00:00:17.962 -- 00:00:22.309 results. And then we'll turn to our strategy update, covering our plans for the next 00:00:22.309 -- 00:00:27.400 three years to 2028. We'll then wrap up with the investment case for the group and 00:00:27.400 -- 00:00:32.025 open to the floor for your questions. Over to you, Miles. 00:00:35.875 -- 00:00:41.686 Good morning, everyone, for those with us in person in London and those on the call. 00:00:41.686 -- 00:00:46.522 You're very welcome to our 2025 results and strategy update. 00:00:46.522 -- 00:00:52.329 I'd like to start by giving you an overview of the unique shape and deep reach 00:00:52.329 -- 00:00:57.415 of Bank of Ireland's franchise. Put simply, we have an unrivaled position in Ireland 00:00:57.415 -- 00:01:00.760 with complementary international businesses. 00:01:00.760 -- 00:01:06.346 What you see on the first slide is that unrivaled position across mortgages, 00:01:06.346 -- 00:01:12.211 everyday banking, corporate and commercial lending, and welcome insurance. 00:01:12.492 -- 00:01:17.960 Our position is underpinned by four long-established respected brands, 00:01:17.960 -- 00:01:23.487 Bank of Ireland, Davey, New Ireland, and Bank of Ireland UK. 00:01:23.487 -- 00:01:28.795 This embeds the group into every community in Ireland, its economy, 00:01:28.795 -- 00:01:31.098 and indeed...