Bank of Ireland Group plc (BIRG) Earnings Call Transcripts

Bank of Ireland Group plc's Latest Earnings Call - May 21, 2026

In the first quarter of 2026, Bank of Ireland Group plc reported a profit before tax of EUR 1.4 billion for the fiscal year ended December 31, 2025, marking a strong conclusion to its three-year strategic cycle. The bank's total income reached EUR 4.2 billion, reflecting a 7% increase in fee income, while the adjusted return on tangible equity stood at 13.9%. Management announced a final dividend of EUR 0.45 per share, leading to a total dividend of EUR 0.70 for the year, an 11% increase from 2024. The bank's CET1 ratio finished at a robust 15.1%, positioning it well for future investments and capital returns. Looking ahead, management signaled a focus on enhancing efficiency and growth through a new strategy aimed at 2028, while remaining cautious of geopolitical risks.

Reported metrics

Guidance from management

Management maintained a cautious outlook, emphasizing a focus on efficiency and growth while being mindful of geopolitical risks. They aim for average loan and deposit book growth of 3% to 4% per year through 2028.

What management said

I can tell you, as of now, there is no plan at the moment. But this is something that we review regularly. The Board reviews distributions very carefully at the end of the year also sometime in the middle of the year, and we will bear this in mind. But as of now, we can tell you there are no plans.

Thank you, Akshaya. I mean, Bank of Ireland as a leading national champion bank and a very strong Irish franchise in our home market, it's in that context that the addition of PTSB to Bank of Ireland would not be seen as an appropriate strategic fit. And in that context, we didn't engage in that particular transaction. .

What analysts pressed on

Analysts expressed concerns regarding the potential impact of geopolitical risks on the bank's performance. Additionally, there were questions about the adequacy of the bank's response to customer service issues and the handling of legal matters related to repossessions.

Main topics on the call

• Strong Financial Performance — Bank of Ireland reported a profit before tax of EUR 1.4 billion and total income of EUR 4.2 billion, with a 7% growth in fee income. Management noted, "We translated this performance into tangible benefits for all of our...
• Dividend Increase — The bank proposed a final dividend of EUR 0.45 per share, bringing the total for the year to EUR 0.70, an 11% increase from EUR 0.63 in 2024. This marks the fifth consecutive year of dividend increases, indicating strong...
• New Strategic Focus — Management introduced a new strategy aimed at 2028, focusing on efficiency and growth in core areas. CEO Myles O'Grady stated, "Our strategy will take us through to 2028, but we also have a well-defined long-term vision ...
• Geopolitical Risks — Management acknowledged ongoing geopolitical uncertainties, particularly the impact of tariffs and conflicts, stating, "We remain very watchful" regarding their potential effects on the business.

Read the full Bank of Ireland Group plc transcript (May 21, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 25 Bank of Ireland Group plc earnings call transcripts on record, spanning February 24, 2020 to July 31, 2026. Based on this history, Bank of Ireland Group plc reports quarterly. The most recent call on file is dated July 31, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BIRG

Exchange

ISE

Country

IE

Sector

Financials

Industry

Banks

Calls on record

25

First call

February 24, 2020

Most recent

July 31, 2026

Reporting cadence

quarterly