Investor Presentaiton
Supporting Irish businesses and a complementary international footprint
Ireland
€3.4bn
Corporate and Commercial
Property and international corporate
-10%
Retail UK
Irish SME new lending
(+6% y/y)
€0.9bn
Irish corporate new lending
(+1% y/y)
Net reduction in property and international
corporate book y/y
3.4%
Coverage ratio on CRE portfolio
(+100bps y/y)
Serving simple and complex customer needs
+22%
Growth in new lending y/y
+57%
Increase in underlying PBT
since 2019
Delivering strong returns
through niche strategy
Strategic pillars supporting growth and improved Customer experience...
1 Stronger relationships
+75k
Increased product
holdings y/y
+8%
New-to-bank customer
growth' in 2023
Growing Customer numbers
2 Simpler business
-5%
+18%
Customer complaints³ y/y
Active digital users⁹ y/y
+
Q219 Q419 Q220
Q420 Q221 Q421
Total customers
Q222 Q422 Q223 Q423
Relationship NPS
>
Better Customer outcomes
H119 H219 H120 H220 H121 H221 H122 H222 H123 H223
Customer Effort Score (CES)
Total complaints
...delivering benefits to Society and Colleagues
#1
for Financial Wellbeing
in Ireland
3 Sustainable company
Practical, meaningful ESG interventions
€11.1bn
Sustainable finance
+35% y/y
c. €30.0bn
46%
Female senior appointments in
2023 vs 50:50 target (40% 2022)
80%
Colleague Cultural Embedding
Index10 (+4ppts y/y)
73
c. €15.0bn
€11.1bn
€8.2bn
2022
2023
2025
2030
Sustainable finance lending Targets
6 Total products sold to Irish personal and business customers
7 New Irish bank channel customer relationships as a proportion of total customers at start of the year
8 Ireland retail banking and NIAC
9 Users who have logged into Banking 365 in the last 90 days
10 As measured in Bank of Ireland internal colleague surveys
Bank of Ireland Key Messages | FY23 Results | 26 February 2024
53
61
2018
2019
66
62
2020
2021
Colleague Engagement Index10
68
2022
2023
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