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Bank Of Ireland Group (DE:BIRG)
:BIRG
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.7Last Year’s EPS
0.83Same Quarter Last Year
Based on 9 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 24, 2025
|% Change Since: -10.25%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Positive
The earnings call reflected a strong financial performance with record distributions and growth across key segments like mortgages and wealth management. However, challenges like the provision in the motor finance book and higher non-core charges are areas of concern.Company Guidance
During the call, Bank of Ireland provided several key metrics and guidance for the medium-term outlook. The bank anticipates a return on tangible equity of over 17% by 2027, driven by strong loan and deposit growth and wealth AUM expansion, supported by a growing Irish economy. The bank achieved a 32% increase in sustainable lending, reaching a EUR15 billion target a year early. The group announced a total distribution of EUR1.2 billion, a 6% increase year-on-year, marking the largest ever for the bank. The bank's capital generation is outpacing peers, with cumulative distributions for 2023 and 2024 amounting to EUR2.4 billion, equivalent to more than a quarter of its market cap. The Irish mortgage book grew by 7% with a 40% share in new mortgage lending, and Wealth and Insurance AUM increased by 19% to EUR55 billion. For 2025, the bank expects net interest income (NII) to exceed EUR3.25 billion, supported by balance sheet growth and structural hedge benefits. Operating expenses are projected to grow by 3% in 2025, with a stabilization expected post-2025. The bank ended 2024 with a CET1 ratio of 14.6% and projects organic capital generation of 250 to 270 basis points in 2025.Strong Financial Performance
Bank of Ireland reported robust loan and deposit growth, strong AUM growth, and an excellent asset quality performance with a ROTE of 16.8% for 2024.
Record Distribution
The bank announced a EUR1.2 billion total distribution for 2024, up 6% year-on-year, marking the group's largest ever distribution.
Growth in Irish Mortgages
The mortgage book grew by 7% with a 40% share of new mortgage lending.
Wealth and Insurance Segment Growth
Total AUM increased by 19% to EUR55 billion, with Davy's AUM growing by 55% since June 2022.
Positive Outlook
The bank expects a return on tangible equity of above 17% by 2027 and strong capital generation over the next three years.
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DE:BIRG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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DE:BIRG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 24, 2025 | €10.15 | €10.92 | +7.59% |
| Jul 31, 2024 | €10.04 | €10.07 | +0.30% |
| Feb 26, 2024 | €8.26 | €7.39 | -10.53% |
| Jul 31, 2023 | €8.49 | €8.72 | +2.71% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Bank Of Ireland Group (DE:BIRG) report earnings?
Bank Of Ireland Group (DE:BIRG) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is Bank Of Ireland Group (DE:BIRG) earnings time?
Bank Of Ireland Group (DE:BIRG) earnings time is at Jul 30, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Bank Of Ireland Group stock?
The P/E ratio of Bank Of Ireland Group plc is N/A.
What is DE:BIRG EPS forecast?
DE:BIRG EPS forecast for the fiscal quarter 2025 (Q2) is 0.7.
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