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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	19,392	21,332	31,503	31,487	36,150	30,904
Investment Securities	52,413	47,544	34,267	31,021	27,832	31,319
Trading Asset Securities	2,599	3,101	3,816	4,389	4,547	1,795
Total Investments	55,012	50,645	38,083	35,410	32,379	33,114
Gross Loans	86,772	84,225	84,109	81,415	73,559	78,633
Allowance for Loan Losses	-1,119	-1,149	-1,028	-1,222	-1,295	-1,958
Other Adjustments to Gross Loans	-	-598	-543	-464	-303	-253
Net Loans	85,653	82,478	82,538	79,729	71,961	76,422
Property, Plant & Equipment	815	788	795	793	789	811
Goodwill	-	301	301	300	299	27
Other Intangible Assets	1,600	1,293	1,199	1,108	977	825
Investments in Real Estate	888	833	771	793	883	992
Accrued Interest Receivable	-	402	264	280	234	328
Other Receivables	220	1,257	1,014	976	711	779
Restricted Cash	1,000	2,831	2,308	1,888	3,180	2,518
Other Current Assets	-	24	25	23	36	41
Long-Term Deferred Tax Assets	292	390	546	808	989	1,044
Other Long-Term Assets	3,723	2,225	2,466	2,113	2,101	7,463
Total Assets	168,595	164,799	161,813	155,708	150,689	155,268
Accrued Expenses	-	334	352	457	372	281
Interest Bearing Deposits	15,610	15,658	15,360	12,821	13,204	24,974
Non-Interest Bearing Deposits	93,339	92,700	89,128	90,057	88,841	80,646
Total Deposits	108,949	108,358	104,488	102,878	102,045	105,620
Short-Term Borrowings	1,546	1,892	3,396	3,375	3,702	2,165
Current Portion of Long-Term Debt	-	-	758	2	912	1,448
Current Portion of Leases	48	46	48	53	55	47
Current Income Taxes Payable	17	4	29	23	8	18
Accrued Interest Payable	-	453	427	324	139	107
Other Current Liabilities	1,016	1,446	715	872	886	535
Long-Term Debt	10,382	9,642	10,225	10,268	8,518	9,016
Long-Term Leases	251	278	318	351	368	405
Pension & Post-Retirement Benefits	2	2	3	10	36	142
Long-Term Deferred Tax Liabilities	70	43	58	61	38	90
Other Long-Term Liabilities	33,294	29,381	27,987	24,473	22,088	24,056
Total Liabilities	155,575	151,879	148,804	143,147	139,167	143,930
Common Stock	944	952	1,002	1,056	1,069	1,076
Additional Paid-In Capital	456	456	456	456	456	456
Retained Earnings	11,181	11,102	11,159	10,878	9,757	9,351
Treasury Stock	-6	-4	-7	-7	-10	-20
Comprehensive Income & Other	442	411	396	175	183	407
Total Common Equity	13,017	12,917	13,006	12,558	11,455	11,270
Minority Interest	3	3	3	3	67	68
Shareholders' Equity	13,020	12,920	13,009	12,561	11,522	11,338
Total Liabilities & Equity	168,595	164,799	161,813	155,708	150,689	155,268
Total Debt	12,227	11,858	14,745	14,049	13,555	13,081
Net Cash (Debt)	9,764	12,923	20,857	22,079	27,530	19,990
Net Cash Growth	-37.82%	-38.04%	-5.54%	-19.80%	37.72%	553.91%
Net Cash Per Share	10.25	13.31	20.37	20.81	25.70	18.60
Filing Date Shares Outstanding	943	952.19	1,003	1,056	1,069	1,076
Total Common Shares Outstanding	943	952.19	1,003	1,056	1,069	1,076
Book Value Per Share	13.80	13.57	12.97	11.89	10.72	10.48
Tangible Book Value	11,417	11,323	11,506	11,150	10,179	10,418
Tangible Book Value Per Share	12.11	11.89	11.48	10.56	9.52	9.69