
Bank of Ireland Group plc (BKRIY) Q4 2025 Earnings Call Transcript
Bank of Ireland Group plc (BKRIY) Q4 2025 Earnings Call Transcript
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Bank of Ireland Group plc (BKRIY) Q4 2025 Earnings Call Transcript

For 2025, we underperformed the Benchmark, while to a lesser extent also trailing our all-cap international growth Proxy Benchmark. The underperformance was in our view attributable to an abrupt but material correction in several holdings over the potential exposure of quality growth franchises to AI disruption. Lundin Mining Corporation shares rose meaningfully during the fourth quarter after the company raised its 2025 copper production outlook and lowered its cash cost guidance.

BNP Paribas shares rose due to positive EU growth outlook and defense spending, benefiting from Capital Markets Union and strong financial services franchise. Alibaba's shares increased with investments in generative AI and cloud infrastructure, showing core market stabilization and potential profitability despite competitive concerns. Agnico Eagle Mines benefited from a 20% gold price increase, driven by economic uncertainty and U.S. dollar weakness, with strong positions in key mining jurisdictions.

Bank of Ireland Group plc (OTCPK:BKRIF) Q4 2024 Earnings Conference Call February 24, 2025 3:00 AM ET Company Participants Myles O'Grady - Group Chief Executive Mark Spain - Chief Financial Officer Eamonn Hughes - IR Conference Call Participants Sanjena Dadawala - UBS Diarmaid Sheridan - Davy Benjamin Toms - RBC Grace Dargan - Barclays Chris Cant - Autonomous Sheel Shah - JPMorgan Borja Ramirez - Citi Seamus Murphy - Carraighill Robert Noble - Deutsche Bank Denis McGoldrick - Goodbody Andrew Stimpson - KBW Aman Rakkar - Barclays Operator Myles O'Grady Thank you, Eamonn, and good morning to everyone joining us on the call today. Before we talk through the results in detail, our opening slide presents our positive outlook for the medium-term.

Bank of Ireland announced on Tuesday that it had ended its partnership with UK motoring services firm The AA and would trim its offering with the UK Post Office, marking a further retreat from the British market.

Some Bank of Ireland customers were able to withdraw money they did not have Tuesday and early Wednesday after an hours-long technical glitch that also halted many of the bank's online services.