Bank of Ireland Group plc

LSE:BIRG.LFinancial Services

——At close · Market cap —

BIRG.L · Income statement · TradingHolo

EUR billions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Revenue	2.7	3.2	3.3	7.1	4.3	6.1	+41.1%
Cost of revenue	0.0	0.5	0.7	2.6	3.1	1.9	−40.3%
Gross profit	2.7	3.0	3.0	4.5	4.3	4.2	−2.4%
Research & development	0.0	0.0	0.0	0.0	0.0	0.0	—
Selling, general & administrative	0.6	1.6	1.6	0.8	2.0	1.1	−47.2%
Selling & marketing	0.0	0.9	0.9	1.0	1.1	0.0	−100.0%
Operating expenses	1.9	1.8	2.0	2.6	2.2	2.8	+28.3%
Operating income	(0.0)	1.6	1.3	2.3	2.3	1.4	−38.4%
Interest expense	0.5	0.5	0.7	2.6	3.1	1.9	−40.3%
Interest income	2.6	2.8	3.2	6.3	6.7	5.2	−22.2%
Other income / expense	(0.7)	(0.1)	(0.3)	(0.4)	(0.4)	(0.0)	+93.9%
Pre-tax income	(0.8)	1.2	1.0	1.9	1.9	1.4	−26.3%
Income tax	(0.1)	0.2	0.2	0.3	0.3	0.2	−40.7%
Net income	(0.7)	1.0	0.9	1.6	1.5	1.2	−21.6%
Discontinued operations	0.0	0.0	0.0	0.0	0.0	0.0	—
Other net income adjustments	(0.0)	(0.1)	(0.0)	(0.0)	(0.0)	0.0	+189.3%
EPS, basic (per share)	(0.66)	0.91	0.73	1.40	1.34	1.15	−14.2%
EPS, diluted (per share)	(0.66)	0.91	0.73	1.40	1.39	1.15	−17.3%
EBITDA	(0.5)	1.5	1.2	2.2	2.2	1.5	−32.5%
Depreciation & amortization	0.3	0.2	0.2	0.3	0.3	0.1	−69.5%
Weighted average shares (shares)	1,075,000,000	1,075,000,000	1,075,000,000	1,061,000,000	1,078,971,000	971,000,000	−10.0%
Weighted average diluted shares (shares)	1,075,000,000	1,075,000,000	1,075,000,000	1,061,000,000	1,024,000,000	971,000,000	−5.2%
Gross margin	100.0%	94.5%	90.6%	63.1%	100.0%	69.2%	−30.8 pts
Operating margin	−0.6%	50.5%	40.8%	32.9%	52.4%	22.9%	−29.5 pts
Net margin	−26.5%	32.9%	26.0%	22.4%	35.5%	19.7%	−15.7 pts

EUR billionsUpdated 31 Dec 2025 ·

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Amounts are shown in the stated units; per-share amounts and shares are unscaled. Negative amounts are in brackets.