BANK OF IRELAND (UK) PLC
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | — | — | — | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | £498,000,000 | £476,000,000 | -4.4% | |
| Impairment losses | — | — | — | — | |
| Profit before tax | £331,000,000 | £181,000,000 | — | — | |
| Net profit | £259,000,000 | £133,000,000 | -£1,000,000 | -100.8% | |
| Loans & advances to customers | — | — | — | — | |
| Customer deposits | — | — | — | — | |
| Total assets | £18,832,000,000 | £18,611,000,000 | — | — | |
| Total liabilities | — | — | — | — | |
| Equity | £1,639,000,000 | £1,777,000,000 | — | — | |
| Average employees | 7,668 | 7,769 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 53.6% | 23.3% | — | |
| Net margin | 45.4% | 26.7% | — | |
| Gearing (liabilities / total assets) | 91.3% | 90.5% | — | |
| Interest cover | 0.43x | 0.17x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors confirm that they are satisfied that the Group and Bank has adequate resources to continue in business for the foreseeable future and that the financial statements are prepared on a going concern basis.”
Group structure
- BANK OF IRELAND (UK) PLC · parent
- NIB Mortgage Limited 100%
- Midasingange Limited
- First Rate Exchange Services Limited (Holding) 50%
- First Rate Exchange Services Limited 50%
- Bowbell Master Issuer plc
- Bowbell Master Issuer plc
Significant events
- “On 30 March 2026, the FCA published a policy statement, detailing an industry-wide redress scheme. The Group has recognised the impact of this in the financial statements. Subsequent to 31 December 2025, global financial markets have experienced increased volatility driven by geopolitical instability.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HILL WILSON SECRETARIAL LTD | Corporate Secretary | 2009-09-17 | — | — |
| GOLDIE, Gail Louise | Director | 2024-01-22 | May 1979 | British |
| GOLDIE-SCOT, Clare Leslie | Director | 2021-07-01 | May 1963 | British |
| JOHNSON, Enda Michael | Director | 2022-05-12 | Dec 1979 | Irish |
| MCCLEARY, Aine Mary | Director | 2024-07-29 | Jun 1971 | Irish |
| MCTEAGUE, Karina Trudy | Director | 2025-11-21 | May 1962 | British |
| MOORE, Philip Wynford | Director | 2018-04-01 | Jan 1960 | British |
| PAGE, Helen Margaret | Director | 2024-02-09 | Jan 1970 | British |
| PATEMAN, Stephen James | Director | 2024-12-01 | Sep 1963 | British |
| WRIGHT, Thomas David | Director | 2022-10-24 | Mar 1975 | Irish |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JAMES, Luciene Maureen | Secretary | 2009-09-17 | 2009-09-17 |
| BAINES, John Duncan | Director | 2018-05-01 | 2021-05-01 |
| BENNETT, David | Director | 2013-02-07 | 2015-03-31 |
| BOUCHER, Richard Aidan Hugh | Director | 2010-03-10 | 2011-03-11 |
| BUCHANAN, Ian David | Director | 2018-09-04 | 2024-12-01 |
| BURNS, Alison Sarah | Director | 2021-01-01 | 2024-01-31 |
| BUTLER, Patrick Noel | Director | 2017-01-10 | 2017-12-31 |
| COLLINS, Daniel Laurence | Director | 2015-07-16 | 2019-05-01 |
| CROWLEY, Desmond Edward | Director | 2009-09-17 | 2019-10-31 |
| FISHER, Christopher Charles | Director | 2010-03-26 | 2016-03-31 |
| FULLER, Neil Anthony | Director | 2015-10-05 | 2020-06-30 |
| HAREN, Patrick Hugh | Director | 2012-06-29 | 2016-09-15 |
| HARRIS, Susan Elizabeth | Director | 2015-07-01 | 2018-07-31 |
| HERBERT, Peter Ronald | Director | 2020-05-01 | 2025-08-19 |
| HOLT, Dennis | Director | 2010-03-02 | 2012-06-29 |
| IEVSKAYA, Polina | Director | 2022-11-18 | 2024-02-07 |
| JAMES, Luciene Maureen | Director | 2009-09-17 | 2009-09-17 |
| KING, Mary Eibhlin | Director | 2010-03-15 | 2012-10-16 |
| KUNG, Mimi | Director | 2017-11-09 | 2020-11-09 |
| LOVE, Lewis | Director | 2016-10-31 | 2018-03-02 |
| MALTBY, John Neil | Director | 2015-11-18 | 2019-08-30 |
| MATCHETT, Stephen Howard | Director | 2010-03-11 | 2014-04-04 |
| MCAREAVEY, Thomas | Director | 2017-03-02 | 2022-10-24 |
| MCGOWAN, David | Director | 2009-09-17 | 2015-10-07 |
| MCLAUGHLIN, Ian Michael Brian | Director | 2019-12-02 | 2023-07-25 |
| MCLLDUFF, Thomas | Director | 2010-03-11 | 2010-08-20 |
| MCLOUGHLIN, John William | Director | 2010-03-15 | 2012-06-29 |
| MURPHY, Senan Joseph | Director | 2012-06-29 | 2015-10-31 |
| NOAKES, Jacqueline Dorothy Mary | Director | 2018-10-31 | 2022-03-31 |
| O'GRADY, Myles | Director | 2019-07-09 | 2019-12-17 |
| POWERS-FREELING, Laurel Claire | Director | 2010-04-29 | 2015-09-30 |
| SHARPE, Robert | Director | 2016-04-25 | 2020-11-30 |
| SHAW, Peter Anderson | Director | 2013-01-01 | 2017-07-31 |
| SMYTH, Lorraine Anne | Director | 2014-09-08 | 2016-08-12 |
| SOMMERS, Richard Francis | Director | 2021-08-03 | 2025-12-31 |
| SPAIN, Mark Joseph | Director | 2019-12-03 | 2024-07-29 |
| SUTHERLAND, David William | Director | 2023-08-25 | 2024-01-22 |
| WALKER, Robert | Director | 2010-03-26 | 2013-03-28 |
| WEYMOUTH, David Avery | Director | 2015-06-01 | 2017-11-30 |
| THE COMPANY REGISTRATION AGENTS LIMITED | Corporate Director | 2009-09-17 | 2009-09-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Governor And The Company Of The Bank Of Ireland | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2017-07-07 |
| The Governor And Company Of The Bank Of Ireland | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 186 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-09 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-07-04 | AA | accounts | Accounts with accounts type group | |
| 2026-07-01 | CH01 | officers | Change person director company with change date | |
| 2026-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-24 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-26 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-27 | AA | accounts | Accounts with accounts type group | |
| 2025-01-22 | RP04TM01 | officers | Second filing of director termination with name | |
| 2025-01-10 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2024-12-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-04 | CH01 | officers | Change person director company with change date | |
| 2024-08-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-05 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-30 | AA | accounts | Accounts with accounts type group | |
| 2024-07-24 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.