Bank of Ireland Group Income Statement

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
Interest Income on Loans	4,295	4,496	5,792	5,413	2,772	2,398
Interest Income on Investments	682	751	950	916	378	372
Total Interest Income	4,977	5,247	6,742	6,329	3,150	2,770
Interest Paid on Deposits	1,566	1,876	3,141	2,622	663	543
Net Interest Income	3,411	3,371	3,601	3,707	2,487	2,227
Net Interest Income Growth	-0.67%	-6.39%	-2.86%	49.05%	11.68%	6.61%
Income From Trading Activities	131	71	105	65	34	111
Gain (Loss) on Sale of Assets	3	3	53	-5	1	2
Gain (Loss) on Sale of Investments	1,904	638	1,526	1,238	-1,200	16
Other Non-Interest Income	-1,154	63	-861	-491	1,822	635
Total Non-Interest Income	884	775	823	807	657	764
Non-Interest Income Growth	13.19%	-5.83%	1.98%	22.83%	-14.01%	34.27%
Revenues Before Loan Losses	4,295	4,146	4,424	4,514	3,144	2,991
Provision for Loan Losses	88	192	107	425	187	-194
Revenue	4,207	3,954	4,317	4,089	2,957	3,185
Revenue Growth	4.63%	-8.41%	5.58%	38.28%	-7.16%	108.85%
Salaries and Employee Benefits	1,000	992	979	924	812	815
Occupancy Expenses	79	77	91	64	55	74
Amortization of Goodwill & Intangibles	236	211	193	168	152	150
Selling, General & Administrative	1,078	1,063	945	764	758	687
Other Non-Interest Expense	118	129	125	170	142	130
Total Non-Interest Expense	2,486	2,447	2,299	2,065	1,879	1,851
EBT Excluding Unusual Items	1,721	1,507	2,018	2,024	1,078	1,334
Asset Writedown	19	19	-102	-44	-50	-3
Other Unusual Items	-	-	-4	-22	-	-
Pretax Income	1,632	1,393	1,855	1,938	1,011	1,221
Income Tax Expense	256	192	324	337	153	166
Earnings From Continuing Operations	1,376	1,201	1,531	1,601	858	1,055
Minority Interest in Earnings	-	-	-	-6	-8	-7
Net Income	1,376	1,201	1,531	1,595	850	1,048
Preferred Dividends & Other Adjustments	88	86	78	109	69	68
Net Income to Common	1,288	1,115	1,453	1,486	781	980
Net Income Growth	8.97%	-23.26%	-2.22%	90.27%	-20.31%	-
Basic Shares Outstanding	953	971	1,024	1,061	1,071	1,075
Diluted Shares Outstanding	953	971	1,024	1,061	1,071	1,075
Shares Change	-4.37%	-5.18%	-3.49%	-0.93%	-0.37%	0.19%
EPS (Basic)	1.35	1.15	1.42	1.40	0.73	0.91
EPS (Diluted)	1.35	1.15	1.42	1.40	0.73	0.91
EPS Growth	14.06%	-19.10%	1.31%	92.12%	-20.03%	-
Dividend Per Share	0.840	0.700	0.630	0.600	0.210	0.050
Dividend Growth	58.49%	11.11%	5.00%	185.71%	320.00%	-
Effective Tax Rate	15.69%	13.78%	17.47%	17.39%	15.13%	13.59%