Bank of Ireland Group Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	25,321	31,503	31,487	36,150	30,904	10,852
Investment Securities	39,986	34,267	31,021	27,832	31,319	34,926
Trading Asset Securities	3,681	3,816	4,389	4,547	1,795	2,444
Total Investments	43,667	38,083	35,410	32,379	33,114	37,370
Gross Loans	85,200	84,109	81,415	73,559	78,633	79,080
Allowance for Loan Losses	-1,181	-1,028	-1,222	-1,295	-1,958	-2,242
Other Adjustments to Gross Loans	-	-543	-464	-303	-253	-257
Net Loans	84,019	82,538	79,729	71,961	76,422	76,581
Property, Plant & Equipment	808	795	793	789	811	872
Goodwill	-	301	300	299	27	25
Other Intangible Assets	1,570	1,199	1,108	977	825	726
Investments in Real Estate	787	771	793	883	992	843
Accrued Interest Receivable	-	264	280	234	328	259
Other Receivables	166	1,014	976	711	779	801
Restricted Cash	2,000	2,308	1,888	3,180	2,518	1,988
Other Current Assets	-	25	23	36	41	27
Long-Term Deferred Tax Assets	488	546	808	989	1,044	1,165
Other Long-Term Assets	3,550	2,466	2,113	2,101	7,463	2,245
Total Assets	162,376	161,813	155,708	150,689	155,268	133,754
Accrued Expenses	-	352	457	372	281	247
Interest Bearing Deposits	15,293	15,360	12,821	13,204	24,974	18,416
Non-Interest Bearing Deposits	90,480	89,128	90,057	88,841	80,646	72,409
Total Deposits	105,773	104,488	102,878	102,045	105,620	90,825
Short-Term Borrowings	3,089	3,396	3,375	3,702	2,165	2,257
Current Portion of Long-Term Debt	-	758	2	912	1,448	1,252
Current Portion of Leases	57	48	53	55	47	45
Current Income Taxes Payable	7	29	23	8	18	12
Accrued Interest Payable	-	427	324	139	107	125
Other Current Liabilities	1,009	715	872	886	535	667
Long-Term Debt	9,867	10,225	10,268	8,518	9,016	6,549
Long-Term Leases	286	318	351	368	405	453
Pension & Post-Retirement Benefits	2	3	10	36	142	288
Long-Term Deferred Tax Liabilities	48	58	61	38	90	64
Other Long-Term Liabilities	29,170	27,987	24,473	22,088	24,056	21,349
Total Liabilities	149,308	148,804	143,147	139,167	143,930	124,133
Common Stock	965	1,002	1,056	1,069	1,076	1,074
Additional Paid-In Capital	456	456	456	456	456	456
Retained Earnings	10,929	11,159	10,878	9,757	9,351	7,774
Treasury Stock	-6	-7	-7	-10	-20	-25
Comprehensive Income & Other	721	396	175	183	407	274
Total Common Equity	13,065	13,006	12,558	11,455	11,270	9,553
Minority Interest	3	3	3	67	68	68
Shareholders' Equity	13,068	13,009	12,561	11,522	11,338	9,621
Total Liabilities & Equity	162,376	161,813	155,708	150,689	155,268	133,754
Total Debt	13,299	14,745	14,049	13,555	13,081	10,556
Net Cash (Debt)	15,703	20,857	22,079	27,530	19,990	3,057
Net Cash Growth	-20.20%	-5.54%	-19.80%	37.72%	553.91%	-
Net Cash Per Share	15.77	20.37	20.81	25.70	18.60	2.85
Filing Date Shares Outstanding	964	1,003	1,056	1,069	1,076	1,073
Total Common Shares Outstanding	964	1,003	1,056	1,069	1,076	1,073
Book Value Per Share	13.55	12.97	11.89	10.72	10.48	8.90
Tangible Book Value	11,495	11,506	11,150	10,179	10,418	8,802
Tangible Book Value Per Share	11.92	11.48	10.56	9.52	9.69	8.20

Source: S&P Global Market Intelligence. Banks template. Financial Sources.