PWLBtoday
Counterparty/Bank of Ireland Group plc
Built 2026-09-14 17:10 UTCBeta
BA

Bank of Ireland Group plc

Group · IrelandAA · LEI 635400C8EK6DRI12LJ39
Counterparty scoreBand B
72
39th percentile of 41 peers
coverage100% of the method
Rating69w 40
Capital88w 25
Liquidity94w 15
Stability0w 10
Assets56w 5
Profit65w 5
Rating anchor and public pillars with published weights (w). Market overlay +2.5, bounded at ±10. Method
Agency ratingscompositeA-Stable (bonds)
Fitch
A-▶
ST F1
2026-06-10
Moody's
A2▶
2026-04-21
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
14.9%
−0.3 vs prior2026-03-31
Leverage ratio
6.8%
−0.0 vs prior2026-03-31
Total capital
20.0%
−0.3 vs prior2026-03-31
LCR
193%
−0.8 vs prior2026-03-31
NSFR
153%
−3.5 vs prior2026-03-31
Risk-weighted assets
56.4bn
+1.1% vs prior2026-03-31
16 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
9upgrades
3.5notches stronger
201820192020202120222023202420252026ABBB+BBB-composite BBB- from 2017-07-10composite BBB from 2019-12-04composite BBB+ from 2023-07-26composite A- from 2025-05-20composite A- from 2026-03-25A-COMPOSITEFitchFitch BBB- from 2017-07-10 to 2017-11-23BBB-Fitch BBB from 2017-11-23 to 2023-07-26BBBFitch BBB+ from 2023-07-26 to 2025-05-20BBB+Fitch A- from 2025-05-20, stillA-Fitch: positive outlook from 2017-07-10Fitch: stable outlook from 2017-11-23Fitch: negative outlook from 2020-04-01Fitch: stable outlook from 2021-10-04Fitch: positive outlook from 2024-07-09Fitch: stable outlook from 2025-05-20A-S&PS&P BBB- from 2017-07-14 to 2023-06-14BBB-S&P BBB from 2023-06-14 to 2025-11-06BBBS&P BBB+ from 2025-11-06 to 2026-03-25BBB+S&P: stable outlook from 2017-07-14S&P: positive outlook from 2017-12-12S&P: stable outlook from 2019-12-24S&P: negative outlook from 2020-04-28S&P: stable outlook from 2022-05-16S&P: positive outlook from 2022-12-22S&P: stable outlook from 2023-06-14S&P: positive outlook from 2024-11-25S&P: stable outlook from 2025-11-06Moody'sMoody's Baa3 from 2017-07-14 to 2019-12-04Baa3Moody's Baa2 from 2019-12-04 to 2021-07-13Baa2Moody's Baa1 from 2021-07-13 to 2022-05-13Baa1Moody's A3 from 2022-05-13 to 2025-09-12A3Moody's A2 from 2025-09-12, stillA2Moody's: positive outlook from 2017-07-14Moody's: stable outlook from 2019-12-04Moody's: positive outlook from 2023-12-05Moody's: stable outlook from 2025-09-12A2
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-03-25×S&P withdrawal of BBB+
  • 2025-11-06↑S&P upgrade BBB → BBB+ · 1 notch
  • 2025-09-12↑Moody's upgrade A3 → A2 · 1 notch
  • 2025-05-20↑Fitch upgrade BBB+ → A- · 1 notch
  • 2023-07-26↑Fitch upgrade BBB → BBB+ · 1 notch
  • 2023-06-14↑S&P upgrade BBB- → BBB · 1 notch
  • 2022-05-13↑Moody's upgrade Baa1 → A3 · 1 notch
  • 2021-07-13↑Moody's upgrade Baa2 → Baa1 · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termA-stable2026-06-10
Fitchissuer default · short-termF1—2026-06-10
Moody'sissuer credit · long-termA2stable2026-04-21
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsEUR
11.1813.7816.3818.9821.5825-09: 12.9225-09: 13.4225-09: 13.2425-09: 13.8425-09: 13.7725-10: 14.5525-10: 14.2725-10: 13.8525-10: 13.1925-10: 13.5925-10: 14.1925-11: 14.9325-11: 15.6825-11: 14.8925-11: 15.6425-11: 15.9625-12: 16.0725-12: 16.0825-12: 16.0325-12: 16.3925-12: 16.4426-01: 16.6926-01: 16.8126-01: 16.8326-01: 16.8526-01: 16.9026-02: 17.7226-02: 17.2326-02: 15.6426-02: 16.2526-02: 16.4726-03: 15.6026-03: 15.2326-03: 15.5726-03: 15.5526-03: 15.8326-03: 15.4426-04: 16.3326-04: 16.8326-04: 16.8626-04: 15.8126-04: 16.7426-05: 16.6626-05: 16.8526-05: 17.0526-05: 17.6426-06: 17.4026-06: 17.3926-06: 17.1226-06: 18.3326-06: 18.2826-06: 17.4126-07: 17.3126-07: 17.6826-07: 17.8126-07: 18.2926-07: 18.4026-07: 18.0926-08: 18.9226-08: 18.9126-08: 19.2326-08: 19.2326-08: 18.7626-09: 19.8826-09: 19.9019.9025-0925-1025-1226-0226-0426-0626-09
30-day realised volatility19.3%
Drawdown from 52-week high-1.3%
Market signal Stable (bonds)
Last price2026-09-14
Bond yields vs peers, 31-day−1 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-14
Bank of Ireland and Stripe strike digital transformation deal - Finextra Research
Finextra Research
info
2026-08-01
Bank of Ireland reports €960m first-half profit as lender upgrades outlook - Irish Independent
Irish Independent
good
2026-07-31
Bank of Ireland dividend up 56% after profits rise by a third - businessplus.ie
businessplus.ie
good
2026-07-31
Bank of Ireland's H1 pre-tax profits jump 33% to €960m - RTE.ie
RTE.ie
good
2026-07-23
New and notable appointments in association with One4all Rewards: Bank of Ireland, Gas Networks Ireland and more - Business & Finance
Business & Finance
info
2026-07-20
Bank of Ireland appoints new Chief AI Officer - RTE.ie
RTE.ie
info
2026-07-20
Bank of Ireland reports 33% drop in profit - Irish Farmers Journal
Irish Farmers Journal
info
2026-06-10
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-06-10
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
info
2026-06-10
Fitch upgrade: Short Term Issuer Default Rating F1
ESMA European Rating Platform
good
2026-05-21
Bank of Ireland Group Maps 2028 Growth Push After €1.4B Profit, Dividend Hike - finance.yahoo.com
finance.yahoo.com
good
2026-04-21
Moody's affirmation: Issuer Rating A2
ESMA European Rating Platform
info
2026-04-21
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2026-03-25
S&P removed under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2026-03-25
S&P withdrawal: Issuer Credit Rating
ESMA European Rating Platform
info
2025-11-06
S&P upgrade: Issuer Credit Rating BBB+
ESMA European Rating Platform
good
2025-11-06
S&P affirmation: Issuer Credit Rating A-2
ESMA European Rating Platform
info
2025-11-06
S&P removed under positive outlook: Issuer Credit Rating
ESMA European Rating Platform
good
2025-11-06
S&P placed under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-10-14
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-10-14
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
info
2025-10-14
Fitch affirmation: Short Term Issuer Default Rating F2
ESMA European Rating Platform
info
2025-09-12
Moody's upgrade: Issuer Rating A2
ESMA European Rating Platform
good
2025-09-12
Moody's removed under positive outlook: Issuer Rating
ESMA European Rating Platform
good
2025-09-12
Moody's placed under stable outlook: Issuer Rating
ESMA European Rating Platform
info

Documents and feeds

EBA Transparency Exercise · published data file
8 documents · 7 metrics · 2017-12-31 to 2024-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 6 metrics · 2020-12-31 to 2025-12-31
Latest source
EBA Pillar 3 Data Hub · tagged XBRL filing
1 document · 8 metrics · 2025-06-30 to 2026-03-31
Latest source
Yahoo Finance fundamentals · public API
1 document · 2 metrics · 2025-06-30 to 2025-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio14.872026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total deposits (currency millions)107,487.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Cost-to-income or efficiency ratio63.962025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio192.872026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Leverage ratio6.852026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Net interest margin2.062025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Non-performing or noncurrent loan ratio2.732024-06-30EBA Transparency Exercise · published data file0.85
Net stable funding ratio152.572026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Overall capital requirement15.942026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Return on assets0.742025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity9.272025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)56,446.112026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Tier 1 capital ratio17.002026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total assets (currency millions)164,799.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio19.972026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00