Revenue distribution by industry:

• Retail Banking: approx. 60%
• Corporate Banking: approx. 25%
• Wealth Management and Insurance: approx. 15%

TOP 3 markets and their percentage shares:

• Ireland: approx. 70%
• United Kingdom: approx. 20%
• Rest of Europe: approx. 10%

The Bank of Ireland Group plc generates the majority of its revenue from Retail Banking, focusing on private customers. Corporate Banking and Wealth Management also contribute significantly to the income, but to a lesser extent.

Ireland remains the main market for the bank, which can be explained by its strong local presence and historical roots in the country. The United Kingdom is the second largest market, followed by other European countries, which together make up a smaller share.

Production of Products: No physical production

The Bank of Ireland Group plc is a financial services company and does not produce physical products. Instead, it offers a variety of financial services including banking services, insurance, and asset management. These services are mainly provided in Ireland and the United Kingdom. As a bank, Bank of Ireland focuses on providing financial solutions and services rather than manufacturing physical goods.

Strategy for Future Growth:

1. Digitization and Technology Investments
2. Sustainability Initiatives
3. Expansion of Product Range

Bank of Ireland Group plc is increasingly focusing on digitization and technology to make its services more efficient and enhance customer experience. By investing in digital platforms and fintech partnerships, it aims to enhance competitiveness.

Additionally, the company places a strong emphasis on sustainability. It plans to achieve its Environmental, Social, and Governance (ESG) goals by offering sustainable financial products and reducing its own operational emissions.

Furthermore, the bank aims to expand its product range to tap into new customer segments and deepen existing customer relationships. This includes both traditional banking services and innovative financial solutions.

Commodities/Materials: No specific commodities

The Bank of Ireland Group plc is a financial services company and not a production company, therefore it does not import physical commodities or materials. Instead, the bank focuses on financial services, including lending, asset management, and insurance services.

Since the bank does not produce physical goods, the import of commodities is not relevant to its business operations. Its international relationships and transactions are more related to capital flows and financial products rather than physical materials.

Market share in Ireland: Approx. 25% (2023)
Common Equity Tier 1 (CET1) ratio: 15.1% (2023)
Credit growth: 4.5% (2023)

The Bank of Ireland Group plc has a significant competitive advantage due to its high market share of around 25% in the Irish banking sector. This enables it to have a strong position in the domestic market, supported by its extensive branch and service presence.

The solid Common Equity Tier 1 (CET1) ratio of 15.1% demonstrates the financial stability of the bank, allowing it to remain resilient even in economically uncertain times. This is an important factor for investor and customer confidence.

Additionally, the bank has recorded a moderate credit growth of 4.5%, indicating a healthy demand for its financial products. The bank also benefits from its ability to offer innovative digital solutions, helping it to compete with other banks and fintech companies.

Institutional Investor Share: approximately 70% (2025, estimated)
Insider Buys/Sells: No significant transactions reported (2025, estimated)

The institutional investor share in Bank of Ireland Group plc is estimated to be around 70%. This is typical for large publicly traded companies, as institutional investors such as pension funds, investment funds, and insurance companies often hold a significant stake in such companies.

In 2025, no significant insider buys or sells were reported. This could indicate that the management and other insiders currently do not expect significant changes in the company's value or that they are satisfied with the current corporate strategy.

Market share Bank of Ireland Group plc: 12% (estimated, 2025)

Main competitors and their market shares:

1. AIB Group plc: 25%
2. Ulster Bank (part of NatWest Group): 20%
3. Permanent TSB Group Holdings plc: 15%
4. KBC Bank Ireland: 10%
5. Danske Bank: 8%

Economic moat of Bank of Ireland Group plc:

Bank of Ireland Group plc has a moderate economic moat, mainly supported by its strong brand recognition and long history in the Irish market. Its extensive branch and ATM infrastructure also provide some advantage over new market entrants.

In comparison to its competitors, AIB Group plc has a stronger economic moat as it holds the largest market share and has a diversified product range and a strong digital presence. Ulster Bank benefits from the support of NatWest Group, giving it access to extensive resources and technologies.

In recent years, Permanent TSB has gained ground through strategic acquisitions and an improved digital platform, strengthening its economic moat. Although KBC Bank Ireland and Danske Bank have smaller market shares, they benefit from their international networks and technological innovations.

Overall, Bank of Ireland Group plc has a solid, but not insurmountable economic moat. Competitors have advantages in some areas, particularly in digital transformation and international networking, which mitigate Bank of Ireland's economic moat.

Revenue Growth: 8.2% (2024)
Profit Growth: 10.5% (2024)
Return on Equity: 9.8% (2024)
Common Equity Tier 1 Ratio (CET1): 14.5% (2024)

In 2024, Bank of Ireland Group plc achieved solid revenue growth of 8.2%, attributed to improved operational efficiency and stable loan growth. The 10.5% profit growth indicates that the company was able to increase its profitability despite a challenging economic environment.

The 9.8% return on equity suggests that the bank operates efficiently and provides an attractive return to its shareholders. Furthermore, the 14.5% common equity tier 1 ratio indicates a strong capital base, providing the bank with financial stability and positioning it well to meet regulatory requirements.

Overall, Bank of Ireland Group plc demonstrates positive financial performance, making it a potentially good investment, especially for investors interested in a stable and well-capitalized bank.

Dividend Yield: 4.2% (estimated for 2025)
Dividend History: Continuous payout since 2021

In recent years, Bank of Ireland Group plc has pursued a stable dividend policy. Since resuming dividend payments in 2021, the company has consistently distributed dividends, indicating a reliable payout policy.

The estimated dividend yield of 4.2% for the year 2025 suggests that the bank continues to be able to offer attractive returns to its shareholders. This stability is supported by solid financial results and a strong capital base. Analysts expect the bank to maintain its dividend policy in the coming years, barring any unforeseen economic turbulence.