The company projects net interest income to exceed €3.3B by 2026 and €3.5B by 2027, with RoTE over 17% by 2027. Management emphasizes a leaner organization by 2027. The bank is focused on disciplined capital management and organic profitability growth while maintaining its market leadership position.
Cyborg Score Rationale
In 2024, revenue was €4.32 billion, an increase of 5.58% compared to the previous year. The company maintains strong dividend yield and strategic guidance for profitability, though recent earnings showed marginal decline. Market conditions and interest rate sensitivity present both opportunities and headwinds.
Top Insights
The three main Irish banks accounted for 93% of new mortgage lending in September, indicating Bank of Ireland's dominant market position.
Current dividend yield is 3.08%, providing attractive income for shareholders.
Employs 11,188 people with efficient cost management initiatives underway.
Full year 2025 results and strategy update scheduled for March 2, 2026, with potential for material strategic announcements.
Named Competitors
Allied Irish Banks — Major Irish retail and commercial bank
Permanent TSB — Irish residential mortgage specialist bank