Bank of Ireland Financial Overview
Highly attractive Irish market
Irish franchises driving profit growth
Ireland
■ UK
Other
19%
5%
% of Group
profits
76%
2.8
Strong labour market¹
Billions
Bank of Ireland
Strong household finances¹
115%
€160
€150
110%
105%
€140
€130
100%
95%
€120
90%
€110
85%
€100
80%
Q120
Q420
Q321
Q222
Q123
Q423
Deposits (LHS)
Debt / Disposable Income (RHS)
Growing Irish housing and mortgage market¹
9.0%
16
2.7
8.0%
12
2.6
Millions
7.0%
2.5
2.4
6.0%
€ Billions
8
2.3
4
5.0%
2.2
2.1
4.0%
0
Q419
Q220
Q420 Q221
Q421
Q222 Q422 Q223
Total Ireland employment (LHS)
Ireland unemployment (RHS)
Euro-area unemployment (RHS)
Q423
2021
For footnotes please refer to slide 38
2022
2023
2024F
Home buyer mortgage (LHS) Refi / Top-Up mortgage (LHS)
Housing completions (RHS)
40,000
30,000
20,000
10,000
0
2025F
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