Bank of Ireland Group Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Interest Income	3,343	3,571	3,680	2,487	2,227
Net Interest Income Growth	-6.39%	-2.96%	47.97%	11.68%	7.48%
Non-Interest Income	825	852	772	668	769
Non-Interest Income Growth	-3.17%	10.36%	15.57%	-13.13%	36.11%
Revenues Before Loan Losses	4,168	4,423	4,452	3,155	2,996
Provision for Credit Losses	192	107	425	187	-194
Revenue	3,976	4,316	4,027	2,968	3,190
Revenue Growth (YoY)	-7.88%	7.18%	35.68%	-6.96%	20.97%
Selling, General & Admin	2,470	2,433	2,092	1,940	1,859
Other Non-Interest Expenses	133	57	20	17	110
Total Non-Interest Expense	2,603	2,490	2,112	1,957	1,969
Pretax Income	1,373	1,826	1,915	1,011	1,221
Provision for Income Taxes	189	320	334	153	166
Net Income	1,184	1,506	1,581	858	1,055
Minority Interest in Earnings	-	-	-	6	7
Net Income to Common	1,184	1,506	1,581	850	1,048
Net Income Growth	-21.38%	-4.74%	86.00%	-18.89%	-
Shares Outstanding (Basic)	971	1,024	1,061	1,071	1,075
Shares Outstanding (Diluted)	971	1,024	1,061	1,071	1,075
Shares Change (YoY)	-5.18%	-3.49%	-0.93%	-0.37%	0.19%
EPS (Basic)	1.15	1.42	1.40	0.73	0.91
EPS (Diluted)	1.15	1.42	1.40	0.73	0.91
EPS Growth	-19.10%	1.29%	92.18%	-20.07%	-
Free Cash Flow	3,833	2,499	-4,508	1,525	19,684
Free Cash Flow Growth	53.38%	-	-	-92.25%	380.10%
Free Cash Flow Per Share	3.95	2.44	-4.25	1.42	18.31
Dividends Per Share	0.700	0.630	0.600	0.210	0.050
Dividend Growth	11.11%	5.00%	185.71%	320.00%	-
Profit Margin	29.78%	34.89%	39.26%	28.91%	33.07%
FCF Margin	96.40%	57.90%	-111.94%	51.38%	617.05%
Effective Tax Rate	13.77%	17.52%	17.44%	15.13%	13.60%