Bank of Ireland 2020 Interim Results
Increasing trend to digital engagement accelerating
Longer term trend of decline
in over-the-counter branch
transactions and services
(61%)
Mobile app now accounts for over
60% of digital traffic
Bank of Ireland 2020 Interim Results
>65% of high volume product
applications fulfilled digitally
(28%)
Branch
ATM
E H1 2018 H1 2019 E H1 2020
(38%)
+7%
+5%
36%
39%
65%
47%
64%
61%
53%
Cheque
H1 2018
H1 2019
35%
4%
20%
30%
34%
96%
80%
66%
70%
100%
+
+
H1 2020
ROI
ROI
ROI
Current Deposits Credit
accounts
cards
ROI
UK
Personal Deposits Personal
loans
loans
UK
Mobile app traffic Non-app digital traffic
<10% branch transactions are
completed over-the-counter
1 Active digital users: customer has logged in during the past 90 days
1.2m active digital users¹
representing c.70% of the
current account base
Over 20m visits per month to
digital channels
Digitised Assisted
New current account origination
journey launched H1 2020; fully
digitised 100% Cloud service
including biometrics
Bank of Ireland
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