Company Profile

Bank of Ireland is a leading Irish financial services company with significant operations in Ireland and the UK. It provides a broad range of retail and corporate financial services in Ireland through a comprehensive multi-channel distribution platform and wealth and insurance via Davy (Ireland's leading provider of wealth management and capital markets services) and New Ireland Assurance. Its Retail UK business incorporates the UK residential mortgage business, branch network and business banking business in Northern Ireland, Northridge (asset finance and leasing) and its financial services partnership and FX joint venture with the UK Post Office. BOI's medium-term targets for 2026 to 2028 include a revenue CAGR of >4%, mid-40s cost / income ratio and a progressive dividend per share with a c.50% dividend payout. These lead to statutory ROTE increasing from 10.9% in 2025 to >16% by 2028 with organic capital generation averaging c.260bps.