“We have delivered a continued profitable performance alongside successful achievement of our previous strategic objectives paving the way for our refreshed 2025-27 UK strategy, which aims to sustainably grow the business and become our customers’ most trusted financial partner.”

Gail Goldie, Chief Executive Officer, Bank of Ireland UK

• Financial performance
  • £263m underlying profit before tax
  • 11.6% underlying ROTE
• Transformation
  • £100m investment in enhanced products and services approved for 2025-2027
  • Successfully sold the UK unsecured lending portfolio
  • Simplified operating model, introduced two main businesses: Everyday Banking and Intermediary Lending
• Asset Quality and Capital
  • 19.9% CET1 ratio
  • £8m net impairment gain
• Supporting customers and communities
  • 4,328 hours of financial literacy education has been delivered to schools, businesses and community groups across Northern Ireland (NI).
  • c.18,000 UK mortgages in 2024 approved with customers availing of the continued digitisation of UK Mortgage product offerings.