Bank Of Ireland Group plc (BIRG) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Aug 04, 2026

Before Open (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.76

Last Year’s EPS

0.64

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 5 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Mar 02, 2026|

% Change Since:

Earnings Call Sentiment|Positive

Balanced but favorable. The call set out a clear, credible growth and returns plan anchored in a strong Irish franchise: 6% loan/deposit growth in 2025, record EUR 60bn AUM, robust capital generation (270 bps in 2025) and upgraded NII and ROTE targets through 2028. Management acknowledges and quantifies key near‑term headwinds (non‑core charges, IRB scalers, deleveraging, interchange changes) and has explicit mitigation plans (EUR 250m efficiencies, digital/AI investments). On net, the positives — strong underlying performance, upgraded NII trajectory, material capital generation and explicit efficiency/AI plans — outweigh the challenges, though execution (cost savings, hedge reinvestment, IRB approvals) and sensitivity to rate/competition dynamics remain important risks.

Company Guidance

The management provided detailed multi‑year guidance showing strong top‑line and capital momentum: total income is expected to grow at a CAGR of >4% to >€4.75bn by 2028, NII is guided to ~€3.4bn in 2026 (above the high €3.3s), >€3.6bn in 2027 and >€3.85bn in 2028 with potential to reach ~€4.0bn after 2028, fee income ~+4% p.a. (W&I driving growth; W&I fees +12% in 2025), and AUM rising from €60bn (end‑2025) to >€75bn by 2028 and targeting €100bn by 2030 (AUM CAGR ~10%). Balance‑sheet growth assumptions are loans ~4% p.a. (net lending ~4% in 2026), deposits ~3% p.a. (Irish customer balances €87bn, ~1/3 of Irish private sector deposits), Irish mortgage book ~5% average annual book growth and Irish loans/deposits were +6% in 2025. On costs and efficiency, total costs are guided to be stable at ~€2.2bn (CAGR ≈1% from 2025), operating expenses rose 3% in 2025, restructuring costs €153m (non‑core €430m reported in 2025), staff numbers expected to fall ~3% p.a., and management targets ~€250m of efficiencies to drive the cost/income ratio from 52% in 2025 to the mid‑40s by 2028 (≈6ppt improvement) with ambition to go further. Return and capital metrics: statutory ROTE is expected around 12.5% for 2026 building to >16% by 2028 (>500bps improvement), organic capital generation was 270bps in 2025 (total 920bps / ~€5bn over the last cycle), net organic capital generation is targeted at ~250bps in 2026 and ~260bps on average over the plan (building to >270bps by 2028) equating to ~€3.7bn of net cap gen over the plan, reported CET1 was 15.1% after €1.2bn distributions and the bank will target operating CET1 of ~14.5% through the cycle while returning surplus capital (2025 distributions €1.2bn = 100% payout comprising DPS €0.70, +11%, plus a €530m buyback; longer‑term ordinary payout ratio circa 50%). Credit and balance‑sheet quality guidance: 2025 impairment €193m (23bps) with cost of risk guided to low‑to‑mid‑20bps and NPE 2.2%. Finally, structural hedge dynamics are a material revenue driver (average hedge yield rose to 1.89% in 2025, exit 1.98%; maturing yields ~1.16% in 2027 and ~1.06% in 2028) and are expected to provide a gross tailwind of ~€0.5bn over the next three years (fixed‑leg income +10% in 2026).

Strong Irish balance sheet momentum

Irish loans and deposits each grew 6% in 2025, supporting balance-sheet growth and underpinning guidance of 4% annual loan growth and 3% annual deposit growth over the 2026–2028 cycle.

Record wealth assets under management and fee income growth

Wealth & Insurance AUM reached a record EUR 60 billion (up 9% in 2025) and fee income overall rose 7% in 2025, with Wealth & Insurance fees up 12% and now accounting for nearly half of total fees; guidance targets AUM CAGR ~10% to >EUR 75 billion by 2028.

Material capital generation and distributions

Organic capital generation was 270 basis points in 2025 (920 bps over the cycle, ~EUR 5 billion). Total 2025 distributions of EUR 1.2 billion (100% payout) comprised a EUR 0.70 DPS (up 11%) and a EUR 530 million buyback; guidance expects average organic cap gen ~260 bps and net cap generation ~EUR 3.7 billion over the plan.

Upgraded net interest income (NII) trajectory

NII guidance upgraded to ~EUR 3.4 billion for 2026 (above prior high‑3.3s), >EUR 3.6 billion for 2027, and >EUR 3.85 billion for 2028, with potential to reach EUR 4 billion after 2028 driven by balance‑sheet growth and a structural hedge tailwind.

Structural hedge providing revenue tailwind

Structural hedge average yield rose 16 bps to 1.89% in 2025 with exit yield 1.98%; management expects fixed‑leg income to increase ~10% in 2026 and a gross hedge tailwind of ~EUR 0.5 billion over the next three years as reinvestment yields trend toward ~2.5%.

Improving asset quality and low impairment charge

2025 impairment charge was EUR 193 million (23 bps cost of risk), better than anticipated with net writebacks in H2; NPE ratio ended 2025 at 2.2% (improved by 40 bps), and cost of risk guidance is low‑to‑mid‑20 bps.

Clear operating‑leverage and returns targets

Management targets income CAGR >4%, cost/income ratio to fall to the mid‑40s by 2028 (≈6 percentage‑point improvement) and statutory ROTE to increase by >500 bps to >16% by 2028, with EPS CAGR in the mid‑to‑high teens (EPS guidance excludes buybacks).

Active digital, AI and efficiency initiatives

Investments in digital (SME lending platform, mobile app, payments) and AI (reduced contact‑centre transfers >40%, fraud monitoring of >1 billion card transactions) plus a EUR 250 million cost‑reduction target (≈20% from AI) support efficiency and customer experience goals.

Bank Of Ireland Group plc (DE:BIRG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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DE:BIRG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 04, 2026	2026 (Q2)	0.76 / -	0.64	―	―	―
Mar 02, 2026	2025 (Q4)	0.78 / 0.80	0.824	-2.91% (-0.02)	―	―
Jul 29, 2025	2025 (Q2)	0.72 / 0.64	0.833	-23.17% (-0.19)	―	―
Feb 24, 2025	2024 (Q4)	0.69 / 0.82	0.712	15.73% (+0.11)	―	―
Jul 31, 2024	2024 (Q2)	0.75 / 0.83	0.767	8.60% (+0.07)	―	―
Feb 26, 2024	2023 (Q4)	0.77 / 0.71	0.56	27.14% (+0.15)	―	―
Jul 31, 2023	2023 (Q2)	0.64 / 0.77	0.273	180.95% (+0.49)	―	―
Mar 07, 2023	2022 (Q4)	0.57 / 0.56	0.66	-15.15% (-0.10)	―	―
Aug 03, 2022	2022 (Q2)	0.30 / 0.27	0.336	-18.75% (-0.06)	―	―
Feb 28, 2022	2021 (Q4)	0.42 / 0.66	0.13	407.69% (+0.53)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

DE:BIRG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Mar 02, 2026	€16.60	€15.84	-4.58%
Jul 29, 2025	€12.39	€11.86	-4.32%
Feb 24, 2025	€9.71	€10.45	+7.59%
Jul 31, 2024	€9.61	€9.64	+0.29%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bank Of Ireland Group plc (DE:BIRG) report earnings?

Bank Of Ireland Group plc (DE:BIRG) is schdueled to report earning on Aug 04, 2026, Before Open (Confirmed).

What is Bank Of Ireland Group plc (DE:BIRG) earnings time?

Bank Of Ireland Group plc (DE:BIRG) earnings time is at Aug 04, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is the P/E ratio of Bank Of Ireland Group plc stock?

The P/E ratio of Bank Of Ireland Group plc is N/A.

What is DE:BIRG EPS forecast?

DE:BIRG EPS forecast for the fiscal quarter 2026 (Q2) is 0.76.