Bank of Ireland Group (CDI) (BIRG)

  16.64
   
  • Change Today:
     0.00
  • 52 Week High:  17.7
  • 52 Week Low:  11.3
  • Currency: Euro
  • Shares Issued: 949.13m
  • Volume: 3,064
  • Market Cap:  15,794m
  • RiskGrade: 238

Dividend Data

  31-Dec-2531-Dec-2431-Dec-2331-Dec-2231-Dec-21
Interim Dividend25.00¢35.00¢n/an/an/a
Final Dividend45.00¢28.00¢60.00¢21.00¢n/a
Total Dividend70.00¢63.00¢60.00¢21.00¢n/a
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Fundamentals - based on IFRS

    (Millions)   (Millions)   (Millions)   (Millions)   (Millions)
Income Statement 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
Revenue 5,247.00 6,742.00 6,329.00 3,114.00 6,078.00
Operating Profit/(Loss) 1,368.00 1,814.00 1,921.00 970.00 1,214.00
Profit Before Tax 1,393.00 1,855.00 1,938.00 1,011.00 1,221.00
Profit After Tax 1,201.00 1,531.00 1,601.00 858.00 1,055.00
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 1,201.00 1,531.00 1,601.00 858.00 1,055.00
Attributable to:          
Equity Holders of Parent Company 1,201.00 1,531.00 1,595.00 850.00 1,048.00
Minority Interests n/a n/a 6.00 8.00 7.00
           
Continuing EPS          
Earnings per Share - Basic 114.80¢ 141.90¢ 140.10¢ 72.90¢ 91.20¢
Earnings per Share - Diluted 114.80¢ 141.90¢ 140.10¢ 72.90¢ 91.20¢
Earnings per Share - Adjusted 151.30¢ 167.60¢ 149.60¢ 83.40¢ 100.20¢
Continuing and Discontinued EPS          
Earnings per Share - Basic 114.80¢ 141.90¢ 140.10¢ 72.90¢ 91.20¢
Earnings per Share - Diluted 114.80¢ 141.90¢ 140.10¢ 72.90¢ 91.20¢
Earnings per Share - Adjusted 151.30¢ 167.60¢ 149.60¢ 83.40¢ 100.20¢
           
Dividend per Share 70.00¢ 63.00¢ 60.00¢ 21.00¢ 5.00¢
    (Millions)   (Millions)   (Millions)   (Millions)   (Millions)
Balance Sheet 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Assets          
Property, Plant & Equipment 815.00 811.00 800.00 802.00 820.00
Intangible Assets 1,594.00 1,500.00 1,408.00 1,276.00 852.00
Investment Properties 833.00 771.00 793.00 883.00 n/a
Investments 248.00 213.00 n/a n/a 992.00
Other Financial Assets 2,990.00 (3,384.00) 24,867.00 27,207.00 11,028.00
           
Loans & Advances to Banks 1,656.00 1,738.00 1,907.00 3,044.00 2,750.00
Loans & Advances to Customers 82,478.00 82,538.00 79,729.00 71,961.00 76,422.00
Advances 84,134.00 84,276.00 81,636.00 75,005.00 79,172.00
           
Debt Securities 18,372.00 6,387.00 5,715.00 4,472.00 6,028.00
Items in course of collection 139.00 114.00 126.00 140.00 159.00
           
Cash at Bank 22,963.00 32,436.00 31,843.00 36,855.00 31,360.00
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 41,474.00 38,937.00 31,843.00 36,855.00 31,360.00
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets 32,609.00 31,884.00 8,520.00 3,022.00 24,857.00
Total Assets 164,799.00 161,813.00 155,708.00 150,689.00 155,268.00
           
Liabilities          
Items in Course of Collection n/a n/a 322.00 232.00 207.00
Deposits & Customer Accounts n/a n/a 103,278.00 102,645.00 105,720.00
Debt Securities n/a n/a 8,670.00 11,476.00 8,483.00
Other Current Liabilities 4.00 29.00 n/a 8.00 n/a
           
Borrowings 9,966.00 11,349.00 2,004.00 423.00 2,433.00
Provisions 535.00 293.00 180.00 172.00 280.00
Other Liabilities 141,374.00 137,133.00 28,693.00 24,211.00 26,807.00
Total Liabilities 151,879.00 148,804.00 143,147.00 139,167.00 143,930.00
           
Net Assets 12,920.00 13,009.00 12,561.00 11,522.00 11,338.00
           
Capital & Reserves          
Share Capital 953.00 1,003.00 1,057.00 1,070.00 1,079.00
Share Premium Account 456.00 456.00 456.00 456.00 456.00
Other Reserves (19.00) 15.00 (206.00) 699.00 893.00
Retained Earnings 11,527.00 11,532.00 10,285.00 9,230.00 8,842.00
Shareholders Funds 12,917.00 13,006.00 11,592.00 11,455.00 11,270.00
           
Minority Interests/Other Equity 3.00 3.00 969.00 67.00 68.00
Total Equity 12,920.00 13,009.00 12,561.00 11,522.00 11,338.00
Cash Flow 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Net Cash Flow From Operating Activities 3,993.00 2,639.00 (4,392.00) 1,629.00 19,757.00
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (12,450.00) (557.00) (960.00) 4,686.00 842.00
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (1,098.00) (1,549.00) (849.00) (404.00) 67.00
Net Increase/Decrease In Cash (9,555.00) 533.00 (6,201.00) 5,911.00 20,666.00
Ratios - based on IFRS 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
PE Ratio - Adjusted 10.8 5.2 5.5 10.6 5.0
PEG - Adjusted n/a 0.4 0.1 n/a n/a
Earnings per Share Growth - Adjusted -10% 12% 79% -17% n/a
Dividend Cover 2.16 2.66 2.49 3.97 20.04
Revenue per Share 552.82¢ 710.33¢ 666.82¢ 328.09¢ 640.37¢
Pre-Tax Profit per Share 146.76¢ 195.44¢ 204.19¢ 106.52¢ 128.64¢
Operating Margin 26.07% 26.91% 30.35% 31.15% 19.97%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 10.8 5.2 5.5 10.6 5.0
PEG - Adjusted n/a 0.4 0.1 n/a n/a
Earnings per Share Growth - Adjusted -10% 12% 79% -17% n/a
Dividend Cover 2.16 2.66 2.49 3.97 20.04
           
Dividend Yield 4.3% 7.3% 7.3% 2.4% 1.0%
Dividend per Share Growth 11.11% 5.00% 185.71% 320.00% n/a
Operating Cash Flow per Share 420.70¢ 278.04¢ (462.74¢) 171.63¢ 2,081.58¢
Cash Incr/Decr per Share (1,006.71¢) 56.16¢ (653.33¢) 622.78¢ 2,177.35¢
Net Asset Value per Share (exc. Intangibles) 1,193.30¢ 1,212.58¢ 1,175.07¢ 1,079.51¢ 1,104.80¢
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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