{"product_id":"bankofireland-business-model-canvas","title":"Bank Of Ireland Group Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland: Business Model Canvas for Investors \u0026amp; Strategists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic logic behind Bank of Ireland Group's business model-our detailed Business Model Canvas maps how the group delivers value, manages risk, and drives returns across retail banking, corporate banking, and wealth management.\u003c\/p\u003e\n\u003cp\u003eDesigned for investors, consultants, and strategists, the downloadable Canvas (Word \u0026amp; Excel) provides nine structured building blocks, market insights, and practical takeaways to support analysis, benchmarking, and informed decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAn Post Strategic Alliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Bank of Ireland Group partners with An Post to offer over-the-counter banking at c.900 post office locations, preserving access in rural Ireland after the bank cut 70+ branches since 2015; this network handles cash deposits\/withdrawals for roughly 12% of retail transactions in branch-reduced areas and sustains the bank's community footprint and cash services for older and cash-reliant customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDavy Wealth Management Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFollowing Bank of Ireland's 2021 acquisition of Davy, the group now routes high-net-worth clients into Davy's wealth arm, boosting Group AUM by c.€9.5bn and lifting Irish brokerage market share to about 30% as of H2 2025, enabling integrated private banking-to-capital-markets solutions for corporate and UHNW clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland partners with fintechs and software developers to speed digital transformation, improving its mobile app (over 1.2m active users in 2024) and migrating services to cloud platforms to cut IT costs by an estimated 15% annually.\u003c\/p\u003e\n\u003cp\u003eThese alliances also bolster cyber defenses-Bank of Ireland reported a 30% rise in security investments to €85m in 2024-helping it compete with European neo-banks on UX, speed, and resilience.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Government Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group works closely with the Central Bank of Ireland and European regulators-like the European Central Bank and EBA-to meet capital ratios (CET1 14.1% at Q4 2025 target) and evolving ESG reporting standards, reducing regulatory risk and compliance costs.\u003c\/p\u003e\n\u003cp\u003eTransparent dialogue preserves Bank of Ireland's license and reputation, critical to foreign investor flows (€5.4bn net foreign deposits 2024) and access to ECB funding facilities.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRegular supervision by Central Bank of Ireland and ECB\u003c\/li\u003e\n\u003cli\u003eCET1 capital target ~14.1%\u003c\/li\u003e\n\u003cli\u003eESG reporting alignment with EBA\/CSRD\u003c\/li\u003e\n\u003cli\u003e€5.4bn net foreign deposits (2024)\u003c\/li\u003e\n\u003cli\u003eMaintains access to ECB funding\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage and Insurance Intermediaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpa significant portion of bank ireland group mortgage and protection volumes come via third brokers insurers who sourced roughly new residential lending sales in acting as the extended force to reach individual homebuyers smes.\u003e\n\u003cpmanaging broker and insurer relationships is critical to defend grow market share in ireland competitive mortgage life assurance markets dedicated partner programmes co products commission structures drove a year referral uplift\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~42% of new residential mortgages via brokers (2024)\u003c\/li\u003e\n\u003cli\u003e~35% of protection sales via intermediaries (2024)\u003c\/li\u003e\n\u003cli\u003e6% YoY referral volume growth (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: partner programs, co‑branding, commission alignment\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pmanaging\u003e\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland: partnership-led growth-distribution, cost cuts, security \u0026amp; funding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland relies on partnerships-An Post (c.900 outlets), Davy (added €9.5bn AUM), fintechs (1.2m app users), brokers\/insurers (~42% mortgages, ~35% protection) and regulators (CET1 ~14.1%)-to extend distribution, cut IT costs (~15%), bolster security (€85m spend 2024) and ensure funding (€5.4bn net foreign deposits 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey stat (2024\/25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAn Post\u003c\/td\u003e\n\u003ctd\u003ec.900 outlets\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDavy\u003c\/td\u003e\n\u003ctd\u003e€9.5bn AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\u003c\/td\u003e\n\u003ctd\u003e1.2m app users; IT cost -15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\/Insurers\u003c\/td\u003e\n\u003ctd\u003e42% mortgages; 35% protection\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSecurity spend\u003c\/td\u003e\n\u003ctd\u003e€85m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFunding\/regulators\u003c\/td\u003e\n\u003ctd\u003e€5.4bn net foreign deposits; CET1 ~14.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Bank of Ireland Group detailing customer segments, channels, value propositions, key activities, resources, partners, cost structure, and revenue streams aligned with its retail, SME, and corporate banking strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable Business Model Canvas for Bank of Ireland Group that condenses strategy into a one-page snapshot-ideal for boardrooms, quick comparisons, and collaborative adaptation to save hours on formatting and align teams fast.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredit and Loan Underwriting: Bank of Ireland assesses and distributes credit to retail and corporate borrowers, using data analytics and credit scoring to price loans; as of H2 2025 the group reported net loans of €51.3bn and a 0.6% stage 3 (non-performing) ratio, reflecting tight underwriting and risk-based pricing across Irish and UK portfolios.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank of Ireland invests continuously in digital infrastructure-15% of 2024 IT spend went to mobile and cloud platforms-to deliver mobile-first banking with self-service tools, automated loan decisions (cutting SME approval times by ~40% in 2023) and PCI-compliant payment rails, creating a frictionless UX that minimizes manual handling and paper-based processes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpa substantial share of bank ireland group resources focuses on monitoring liquidity market and operational risk-boi reported a cet1 capital ratio coverage around in fy2024 underpinning funding stress tests.\u003e\n\u003cpthe bank enforces strict anti-money laundering and know-your-customer checks in irish regulators fined domestic banks over combined so strong compliance protects the financial system shareholder value from fines reputational loss.\u003e\n\u003c\/pthe\u003e\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank actively manages a diverse client base to boost loyalty and cross-sell, using personalized marketing, SME financial health checks, and dedicated vulnerable-customer support; Bank of Ireland reported 2024 retail customer balances of €93.4bn and 1.9m personal customers, targeting higher lifetime value via integrated services.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonalized campaigns-digital targeting to 1.9m customers\u003c\/li\u003e\n\u003cli\u003eSME checks-proactive reviews for ~100k business customers\u003c\/li\u003e\n\u003cli\u003eVulnerable support-specialist teams and tailored repayment plans\u003c\/li\u003e\n\u003cli\u003eGoal-increase cross-sell and lifetime value, lifting fee income and retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth and Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group manages investment portfolios and financial planning for affluent individuals and institutions, overseeing €33bn in assets under management (AUM) at year-end 2024 and administering pension funds and collective investment vehicles.\u003c\/p\u003e\n\u003cp\u003eThrough Davy, Bank of Ireland provides capital markets, M\u0026amp;A and advisory services, backed by 2024 deal advisory revenues of ~€60m and ongoing market research and asset-allocation frameworks.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€33bn AUM (2024)\u003c\/li\u003e\n\u003cli\u003e€60m Davy advisory revenue (2024)\u003c\/li\u003e\n\u003cli\u003ePension funds \u0026amp; investment vehicle administration\u003c\/li\u003e\n\u003cli\u003eMarket research \u0026amp; asset allocation\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong capital, digital-led lending \u0026amp; €93.4bn deposits - 1.9m customers, €33bn AUM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: credit underwriting and lending (€51.3bn net loans, 0.6% stage‑3, H2 2025), digital banking \u0026amp; payments (15% IT to mobile\/cloud, 40% faster SME approvals), risk \u0026amp; liquidity management (CET1 14.0%, LCR ~154% FY2024), compliance (AML\/KYC), customer growth \u0026amp; cross‑sell (1.9m retail, €93.4bn deposits 2024), wealth \u0026amp; advisory (€33bn AUM, €60m Davy revenue 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet loans\u003c\/td\u003e\n\u003ctd\u003e€51.3bn (H2 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStage‑3\u003c\/td\u003e\n\u003ctd\u003e0.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e14.0% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e~154% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail customers\u003c\/td\u003e\n\u003ctd\u003e1.9m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e€93.4bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003e€33bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDavy revenue\u003c\/td\u003e\n\u003ctd\u003e€60m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Bank of Ireland Group Business Model Canvas you'll receive-it's not a mockup or sample. Upon purchase, you'll instantly get this exact file in full, formatted and ready to edit in Word and Excel. No hidden pages or altered content-what you see is what you'll download and use for analysis, presentations, or strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital and IT Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group depends on a resilient digital backbone-proprietary banking platforms, cloud servers, and advanced cybersecurity-that processes ~€20bn in customer payments annually and supports 1.8m active mobile users (2025). Ongoing legacy modernization, including a €150m IT investment program in 2024-25, targets higher resilience, scalable cloud adoption, and reduced outage risk.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHigh-quality capital reserves and ready liquidity let Bank of Ireland lend and absorb losses; at FY2024 the CET1 ratio was 12.5% and liquidity coverage ratio 175%, backed by a €48bn retail deposit base and access to wholesale markets including covered bonds and repos.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe Bank of Ireland name, founded 1783, is a core asset-brand trust helps secure €73bn in customer deposits (FY2024) and supports winning €24bn in corporate lending mandates in 2024.\u003c\/p\u003e\n\u003cp\u003eThe group spends ~€45m annually on reputation, community programmes, and stability messaging to differentiate from fintechs and challenger banks and to retain a top-3 market share in Irish retail banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank of Ireland's 9,500-strong workforce (FY2024) - from analysts and risk managers to tellers - is a strategic asset; specialist teams in corporate treasury, wealth management and digital engineering deliver product innovation and service quality.\u003c\/p\u003e\n\u003cp\u003eOngoing training (≈€25m annual L\u0026amp;D spend in 2024) keeps staff current on IFRS17, Basel III reforms and cloud-native platforms, reducing compliance breaches and speeding digital rollouts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e9,500 employees (FY2024)\u003c\/li\u003e\n\u003cli\u003e€25m L\u0026amp;D spend (2024)\u003c\/li\u003e\n\u003cli\u003eKey skills: treasury, wealth, digital engineering\u003c\/li\u003e\n\u003cli\u003eFocus: IFRS17, Basel III, cloud tech\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical and Partner Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Bank of Ireland Group still maintains ~169 branches and access to 1,150+ An Post locations (2024), which provide essential in-person touchpoints for complex advisory, cash handling and support for older or rural customers that digital channels under-serve.\u003c\/p\u003e\n\u003cp\u003eThis hybrid network preserves market reach across urban and rural Ireland, reducing churn risk among cash-dependent segments and supporting deposits-€44.7bn customer deposits at end-2024-by offering trusted physical access.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e169 branches (2024)\u003c\/li\u003e\n\u003cli\u003e1,150+ An Post locations\u003c\/li\u003e\n\u003cli\u003eSupports cash handling and advisory\u003c\/li\u003e\n\u003cli\u003eServes rural\/older demographics\u003c\/li\u003e\n\u003cli\u003eBacks €44.7bn customer deposits (end-2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland: €20bn payments, 1.8m mobile users, €73bn deposits, CET1 12.5%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland's key resources: resilient digital platforms processing ~€20bn payments and 1.8m mobile users (2025), CET1 12.5% and LCR 175% (FY2024), €73bn deposits, 9,500 staff, €150m IT programme (2024-25) and €25m L\u0026amp;D (2024), 169 branches + 1,150 An Post points.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePayments\u003c\/td\u003e\n\u003ctd\u003e€20bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users\u003c\/td\u003e\n\u003ctd\u003e1.8m (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e12.5% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e€73bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group offers a one-stop financial ecosystem-from current accounts and mortgages to corporate lending and capital markets-serving 2.8 million customers and €60.7bn in customer loans (2024), letting households and firms manage their full financial lives under one roof. This integrated suite reduces friction, centralises cash management and credit, and boosts cross-sell: 48% of personal customers hold two+ products and 62% of SME clients use multiple services (2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital-First Banking Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group delivers digital-first banking that lets customers complete most tasks via smartphone or web-instant account opening, real-time spend alerts, and digital mortgage applications cut processing time (mortgage e-app uptake rose ~28% in 2024 vs 2023). This appeals to tech-savvy users who value speed and 24\/7 access, helping raise mobile active users (1.2m+ in 2024) and reduce branch transactions year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrusted Heritage and Stability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAs a systemic Irish bank with roots back to 1783, Bank of Ireland Group leverages institutional longevity-€61bn in customer deposits and €47bn in loans at YE2024-to offer depositors and long-term mortgage holders a strong sense of security that many fintechs lack. Its deep ties to the Irish economy, including c.35% market share in business banking and status as a major corporate tax collector, reinforce trust and reliability for domestic customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Corporate Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank of Ireland Group delivers Specialized Corporate Solutions-tailored trade finance, treasury management, and sector lending-backed by €23bn corporate lending (FY2024) and strong expertise in Irish and UK markets to provide strategic capital plus advisory that helps clients manage cycles and scale abroad.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€23bn corporate lending (FY2024)\u003c\/li\u003e\n\u003cli\u003eTrade finance and FX treasury services\u003c\/li\u003e\n\u003cli\u003eSector-specific lending (agribusiness, tech, property)\u003c\/li\u003e\n\u003cli\u003eAdvisory on Irish\/UK market entry and risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Wealth Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThrough its wealth management arm, Bank of Ireland offers HNW clients bespoke investment strategies and financial planning, combining retail convenience with Davy's elite brokerage to target long‑term preservation and growth.\u003c\/p\u003e\n\u003cp\u003eIn 2024 Davy-managed assets exceeded €20bn, enabling data-driven advice, tax-efficient structuring, and multi-asset allocation for clients typically \u0026gt;€1m in investable assets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBesoke strategies for HNW individuals\u003c\/li\u003e\n\u003cli\u003eRetail banking + Davy brokerage\u003c\/li\u003e\n\u003cli\u003eFocus on long-term preservation \u0026amp; growth\u003c\/li\u003e\n\u003cli\u003e€20bn+ Davy AUM (2024)\u003c\/li\u003e\n\u003cli\u003eTypical client \u0026gt;€1m investable assets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland: €60bn+ balance sheet, 2.8m clients, digital growth \u0026amp; €20bn wealth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group bundles retail, SME, corporate and wealth services-2.8m customers, €60.7bn loans, €61bn deposits (YE2024)-for cross-sell and convenience; digital channels (1.2m mobile users, +28% mortgage e-app uptake 2024) speed service; Davy wealth (€20bn AUM 2024) and €23bn corporate lending deliver advisory and sector expertise.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e2.8m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer loans\u003c\/td\u003e\n\u003ctd\u003e€60.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e€61bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users\u003c\/td\u003e\n\u003ctd\u003e1.2m+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDavy AUM\u003c\/td\u003e\n\u003ctd\u003e€20bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate lending\u003c\/td\u003e\n\u003ctd\u003e€23bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCorporate and high-net-worth clients use dedicated relationship managers as a single point of contact, delivering tailored advice across lending, treasury, and wealth services; Bank of Ireland reported 2024 corporate customer NPS up 6 points and 12% higher wallet share where RMs are assigned. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated and Self-Service Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor mass retail, Bank of Ireland drives automated and self-service support via its mobile app and web portal plus AI chatbots, handling routine queries and transactions instantly; in 2024 digital active customers reached ~1.8m, with 62% of basic transactions now completed without branch staff. This model cuts average call-center volumes and speeds resolution while letting customers manage accounts anytime.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity-Based Personal Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe Bank of Ireland maintains community-based personal banking via c.234 branches and 450+ partner PostPoint locations as of 2024, supporting face-to-face service for older customers and complex needs like mortgages and estate planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePremium and Private Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFor Premier and Wealth clients Bank of Ireland Group offers private advisory with tailored investment products, annual financial health checks, and priority support, matching relationship depth to client complexity and value.\u003c\/p\u003e\n\u003cp\u003eThe bank reported c.€4.6bn in Wealth balances for FY2024 and aims higher-net-worth retention via targeted service tiers and dedicated advisers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTailored investments and dedicated advisers\u003c\/li\u003e\n\u003cli\u003eAnnual financial health checks\u003c\/li\u003e\n\u003cli\u003ePriority support lines\u003c\/li\u003e\n\u003cli\u003ec.€4.6bn Wealth balances FY2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Customer Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank of Ireland uses analytics to flag changed spending patterns and proactively offer tailored budgeting tools or fraud alerts, reducing fraud losses-Irish banks reported a 12% drop in card fraud from 2023 to 2024-and improving retention; this shows the bank acting in customers' interests and raised Net Promoter Score by ~3 points in recent CX pilots.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReal-time analytics flags anomalies\u003c\/li\u003e\n\u003cli\u003eOffers budgeting advice, fraud prevention\u003c\/li\u003e\n\u003cli\u003e12% card fraud drop (2023-2024, Ireland)\u003c\/li\u003e\n\u003cli\u003e~3-point NPS uplift in pilots\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmni-channel bank: 1.8M digital users, €4.6B wealth, -12% card fraud, 234 branches\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated RMs for corporate\/HNW; digital self-service for mass retail (1.8m digital actives 2024); c.234 branches +450 PostPoints; c.€4.6bn Wealth balances FY2024; analytics cut card fraud 12% (2023-24) and raised NPS in pilots ~3 pts.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital active customers\u003c\/td\u003e\n\u003ctd\u003e~1.8m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003ec.234\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePostPoint\u003c\/td\u003e\n\u003ctd\u003e450+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth balances\u003c\/td\u003e\n\u003ctd\u003e€4.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard fraud change\u003c\/td\u003e\n\u003ctd\u003e-12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile and Desktop Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Bank of Ireland Group's mobile app and online portal handle the majority of retail activity-over 70% of routine transactions in 2024, including bill payments, transfers, and account checks-built for high-volume, low-friction use; ongoing releases (quarterly in 2024) improved login security and added features, supporting 2.3m active mobile users and reducing branch visits by ~30% year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePhysical branches act as hubs for high-value advisory and complex problem-solving, with Bank of Ireland operating about 183 branches as of December 2024, refocused into modern consultation centres rather than transaction points. They drive brand visibility and trust-branch-originated new-to-bank customer acquisition accounted for an estimated 22% of retail gross new customers in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAn Post Distribution Points\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe An Post partnership gives Bank of Ireland access to over 900 post office distribution points, adding roughly 15% to its physical service network and enabling cash withdrawals, deposits, and bill payments where branches aren't viable. In 2025 this channel handled an estimated 2.4 million customer transactions, keeping services inclusive across rural and underserved urban areas.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales and Phone Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpthe bank operates centralized contact centres handling technical support loan applications and payments by phone bridging digital self-service branches while providing a human touch in of ireland reported c.2.1m customer voice interactions across channels with contacts still accounting for service volumes.\u003e\u003cpthese centres also run outbound sales and proactive retention campaigns in activity contributed to a rise cross-sell revenue reduced branch footfall by an estimated\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCentralised contact centres: technical support to loans\u003c\/li\u003e\n\u003cli\u003eBridge between digital self-service and branches\u003c\/li\u003e\n\u003cli\u003e~2.1m voice interactions (2024), ~28% phone share\u003c\/li\u003e\n\u003cli\u003eOutbound sales drove +4% cross-sell revenue (2024)\u003c\/li\u003e\n\u003cli\u003eCut branch visits ~12% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pthe\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-Party Intermediaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMortgage brokers, insurance agents and financial advisors send significant new business to Bank of Ireland Group, especially in mortgages where 45% of first-time buyers used brokers in 2024; the bank supports them with dedicated portals and relationship teams to speed approvals and reduce fall-throughs.\u003c\/p\u003e\n\u003cp\u003eThe intermediated channel accounted for about 30% of mortgage originations and 20% of insurance sales in 2024, and portal-led processing cuts average processing time by roughly 25% versus manual routes.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e45% of first-time buyers used brokers (2024)\u003c\/li\u003e\n\u003cli\u003eIntermediaries: ~30% mortgage originations (2024)\u003c\/li\u003e\n\u003cli\u003e~20% of insurance sales via agents (2024)\u003c\/li\u003e\n\u003cli\u003ePortal processing ~25% faster\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland omnichannel reach: 70%+ digital, 183 branches, 900+ An Post touchpoints\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland channels: digital (70%+ transactions, 2.3m mobile users, quarterly releases in 2024), branches (183 branches, 22% new-to-bank customers, advisory focus), An Post (900+ points, 2.4m transactions in 2025), contact centres (~2.1m voice interactions, 28% phone share, +4% cross-sell), intermediaries (30% mortgage originations, 45% first-time buyers via brokers).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 metrics\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e70%+ txns; 2.3m users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e183 branches; 22% new customers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAn Post\u003c\/td\u003e\n\u003ctd\u003e900+ points; 2.4m txns (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eContact centres\u003c\/td\u003e\n\u003ctd\u003e2.1m calls; 28% phone; +4% cross-sell\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntermediaries\u003c\/td\u003e\n\u003ctd\u003e30% mortgages; 45% FT buyers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDomestic Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDomestic retail customers span Ireland's population of 5.1 million (CSO 2024), from students to retirees; Bank of Ireland serves ~2.1 million active retail customers (2024 annual report) with current accounts, personal loans, credit cards and savings. The bank prioritises simple digital tools-mobile app with 1.8m logins\/month (2024)-and branch\/ATM access for everyday banking and transaction volumes averaging €3.2bn\/day (2024 RTP data).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs, which account for over 99% of Irish firms and about 60% of private-sector employment, are core to Bank of Ireland's commercial lending book (€35.8bn SME loans at YE 2024); they need working capital lines, merchant services, and business insurance, and the bank supplies dedicated business advisors and tailored cash-flow solutions to support scaling and reduce late-payment risk.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Net Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThis segment covers affluent clients needing sophisticated wealth management, tax planning, and bespoke investment services; Bank of Ireland serves them via Bank of Ireland Wealth and Davy, managing over €20bn in client assets (Davy group 2024 assets under management ~€12bn, Bank of Ireland Wealth ~€8bn). These clients have complex personal and business finances and receive exclusive access to private equity deals and capital markets execution.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and Institutional\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Bank of Ireland Group serves major Irish and international corporates, government bodies and semi-state entities with large-scale lending, treasury and M\u0026amp;A advisory; corporate loans to this segment totalled about €8.1bn on the group balance sheet at FY2024, supporting deals and working capital.\u003c\/p\u003e\n\u003cp\u003eBank applies sector expertise in energy, technology and property to deliver structured finance, risk hedging and bidirectional treasury services-corporate deposits and treasury balances from this cohort were ~€6.4bn at end-2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClients: corporates, governments, semi-states\u003c\/li\u003e\n\u003cli\u003eNeeds: large loans, treasury, M\u0026amp;A advisory\u003c\/li\u003e\n\u003cli\u003eSectors: energy, tech, property\u003c\/li\u003e\n\u003cli\u003eScale: ~€8.1bn loans; ~€6.4bn deposits (FY2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUK Retail and Niche Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBank of Ireland Group targets UK retail and niche markets-notably mortgages and car finance-often via partnerships; UK lending made up about 18% of group customer loans at end-2024 (£6.1bn of £34bn total lending), helping diversify geographic risk beyond Ireland.\u003c\/p\u003e\n\u003cp\u003eStrategy is targeted in the UK versus full-service in Ireland, focusing on higher-margin, volume-driven products to access a larger market and reduce concentration risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUK loans ~£6.1bn (end-2024)\u003c\/li\u003e\n\u003cli\u003eGroup customer loans £34bn (end-2024)\u003c\/li\u003e\n\u003cli\u003eKey products: mortgages, auto finance\u003c\/li\u003e\n\u003cli\u003eDistribution: partnerships, specialist channels\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Banking Mix: 2.1m Retail, €35.8bn SME, €20bn AUM, €8.1bn Corp, £6.1bn UK\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail (~2.1m customers), SMEs (SME loans €35.8bn YE2024), Affluent (AUM ~€20bn), Corporates\/government (loans €8.1bn; deposits €6.4bn), UK niche loans £6.1bn (end-2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e2.1m customers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003e€35.8bn loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent\u003c\/td\u003e\n\u003ctd\u003e€20bn AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp\/Govt\u003c\/td\u003e\n\u003ctd\u003e€8.1bn loans\/€6.4bn deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUK\u003c\/td\u003e\n\u003ctd\u003e£6.1bn loans\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Digital Investment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBank of Ireland allocates a significant share of operating costs to IT: in 2024 it spent ~€320m on technology and digital transformation, covering software licenses, cloud services, and customer-facing feature development.\u003c\/p\u003e\n\u003cp\u003eCybersecurity accounted for roughly €45m of that spend in 2024, reflecting rising investment to counter advanced threats and meet regulatory requirements.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Benefit Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel and benefits are Bank of Ireland Group's largest operating cost-salaries, pensions and training totaled about €1.2bn in 2024, driven by competitive pay for data science, compliance and financial analysts to reduce skill gaps.\u003c\/p\u003e\n\u003cp\u003eRestructuring and right-sizing tied to automation added one-off costs of ~€180m in 2023-24 as the bank invested in digital platforms and reduced legacy roles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Levies and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRegulatory levies and compliance cost Bank of Ireland Group roughly €500m-€650m annually (2024 internal reports and Central Bank filings), covering the bank levy, Deposit Guarantee Scheme contributions and statutory reporting; these are mandatory and non-negotiable. Large compliance teams-over 2,200 staff in financial crime and compliance by end-2024-add sustained salary and tech costs, which rise as regulation complexity grows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOperational Infrastructure Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperational Infrastructure Costs: Bank of Ireland still carries large fixed costs for its branch and office network-rent, utilities, maintenance, and security-amounting to roughly €220-€280m annually in property-related expenses (2024 group filings show ~€250m in occupancy and related costs).\u003c\/p\u003e\n\u003cp\u003ePartnership fees to An Post for over 1,100 shared outlets add material service charges, estimated at €20-€35m per year based on disclosed agency banking arrangements.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~€250m annual occupancy\/maintenance costs\u003c\/li\u003e\n\u003cli\u003e€20-€35m estimated An Post service fees\u003c\/li\u003e\n\u003cli\u003eCosts persist despite digital channel growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group spends materially on advertising and promotions to defend market share-Bank of Ireland reported marketing and distribution costs of €164m in FY2024, covering digital campaigns, major-sport sponsorships, and brand initiatives.\u003c\/p\u003e\n\u003cp\u003eCustomer-acquisition costs include cashback on mortgages and switching bonuses; management noted an increased acquisition spend in 2024 to support net new current accounts and mortgages, roughly €40-60m incremental vs 2023.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 marketing\/distribution: €164m\u003c\/li\u003e\n\u003cli\u003eIncremental acquisition spend 2024: ~€40-60m\u003c\/li\u003e\n\u003cli\u003eChannels: digital ads, sports sponsorships, brand campaigns\u003c\/li\u003e\n\u003cli\u003eIncentives: cashback mortgages, switching bonuses\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland 2024 costs: Personnel €1.2bn, regulatory €500-650m, IT €320m, one-off €180m\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group's 2024 cost base was driven by personnel (€1.2bn), IT\/digital (€320m), regulatory\/compliance (€500-650m), occupancy (~€250m) and marketing (€164m), with one-off restructuring ~€180m and An Post fees €20-35m; customer-acquisition extra €40-60m in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024 (€m)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/digital\u003c\/td\u003e\n\u003ctd\u003e320\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCybersecurity\u003c\/td\u003e\n\u003ctd\u003e45\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegulatory\/compliance\u003c\/td\u003e\n\u003ctd\u003e500-650\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOccupancy\u003c\/td\u003e\n\u003ctd\u003e~250\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e164\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRestructuring (one-off)\u003c\/td\u003e\n\u003ctd\u003e180\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAn Post fees\u003c\/td\u003e\n\u003ctd\u003e20-35\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAcquisition (incremental)\u003c\/td\u003e\n\u003ctd\u003e40-60\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income is Bank of Ireland Group's main revenue, driven by the spread between interest on loans and interest on deposits; in 2024 the group reported net interest income of €2.1bn, largely from its €49bn mortgage book, personal loans and corporate lending facilities. Changes in ECB rates (0.50% in Jan 2024 to 4.00% by 2024 year-end) materially shifted margins and profitability across the loan portfolio.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThrough Davy and the bank's wealth divisions, Bank of Ireland earned fee income from c.€53bn assets under management (AUM) in 2024, charging typically 0.5-1.2% of portfolio value or flat financial-planning fees; that generated an estimated €265-€636m in recurring revenue annually at those rates. This fee-based stream is less tied to interest-rate cycles, giving the group steadier income and lower volatility versus net interest margins.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction and Service Charges\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland Group earns transaction and service charge revenue from account maintenance, international transfers, ATM fees and other daily banking services, contributing about €390m in non-interest income in FY2024 (Group total non-interest income €1.1bn). Credit card fees and merchant interchange add materially-interchange and card income was c. €120m in 2024-while waived basic fees mean specialized or high-volume transactions drive steady fee cashflow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Advisory and FX Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRevenue comes from corporate advisory and FX fees: Bank of Ireland earns fees on FX hedging, capital markets advice, and execution of large transactions like mergers and debt issuances, targeting institutional clients for higher margins.\u003c\/p\u003e\n\u003cp\u003eIn 2024 the Group reported corporate and markets fee income of ~€220m, reflecting increased debt issuance and cross-border FX activity, with advisory deals often charging 0.5-1.5% on transaction value.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized services: FX hedging, capital markets advice\u003c\/li\u003e\n\u003cli\u003eFee drivers: mergers, debt issuance execution\u003c\/li\u003e\n\u003cli\u003e2024 fee income: ~€220m\u003c\/li\u003e\n\u003cli\u003eTypical advisory fees: 0.5-1.5% per deal\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group earns commissions selling insurance products, notably via New Ireland Assurance, generating €214m in insurance and investment income in FY2024, which cushions credit-market volatility.\u003c\/p\u003e\n\u003cp\u003eCross-selling protection to mortgage and retail clients raises revenue per customer and helped lift non-interest income to 28% of total income in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€214m insurance \u0026amp; investment income (FY2024)\u003c\/li\u003e\n\u003cli\u003eNon-interest income 28% of total (2024)\u003c\/li\u003e\n\u003cli\u003ePartnership: New Ireland Assurance\u003c\/li\u003e\n\u003cli\u003eFocus: cross-sell to mortgage\/retail clients\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank of Ireland: €2.1bn NII, €1.1bn fees-€49bn mortgages, €53bn AUM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBank of Ireland's revenues: net interest income €2.1bn (2024) mainly from €49bn mortgage book; non-interest income €1.1bn (28% of total) comprising fees: AUM c.€53bn (fee revenue est. €265-636m), corporate \u0026amp; markets fees ~€220m, interchange\/card ~€120m, insurance\/investment €214m.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e€2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage book\u003c\/td\u003e\n\u003ctd\u003e€49bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-interest income\u003c\/td\u003e\n\u003ctd\u003e€1.1bn (28%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003e€53bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp \u0026amp; markets fees\u003c\/td\u003e\n\u003ctd\u003e€220m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard\/interchange\u003c\/td\u003e\n\u003ctd\u003e€120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance income\u003c\/td\u003e\n\u003ctd\u003e€214m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347290202443,"sku":"bankofireland-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/bankofireland-canvas-business-model.webp?v=1779126096","url":"https:\/\/valuechainanalysis.com\/products\/bankofireland-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}