Bank of Ireland

"Is Bank of Ireland working?"

Bank of Ireland is working normally

All systems are operational. Bank of Ireland is accessible and functioning properly.

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24h ago

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Timeline

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Service Status: All systems operational and responding normally

Performance Trend (24h): Stable performance with no significant issues reported

Community Reports: No issues reported by users in the last 24 hours

Global Availability: Working normally worldwide

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The Bank of Ireland (BOI) is one of the largest and oldest financial services groups in Ireland, established by Royal Charter in 1783, making it a historically central institution to the Irish economy. It operates as a diversified financial services provider with a significant presence in both the Republic of Ireland and the United Kingdom. The Gro... The Bank of Ireland (BOI) is one of the largest and oldest financial services groups in Ireland, established by Royal Charter in 1783, making it a historically central institution to the Irish economy. It operates as a diversified financial services provider with a significant presence in both the Republic of Ireland and the United Kingdom. The Group’s business model is organized across four main trading segments: Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Commercial Banking. Retail Ireland focuses on day-to-day banking, mortgages, personal loans, and digital services for individuals and small businesses across a network of branches, ATMs, and a key partnership with An Post (the Irish Post Office). The Wealth and Insurance segment includes its life assurance subsidiary, New Ireland Assurance (NIAC), offering protection, investment, and pension products, and Davy, a leading provider of wealth management and capital markets services, which BOI recently acquired. Retail UK incorporates its Northern Ireland branch network, UK residential mortgage business, and partnerships like the UK Post Office for financial services, aiming to be a leading multi-niche bank in that market. Corporate and Commercial Banking provides a full range of lending, cash management, treasury, and acquisition finance services to large corporate clients both domestically and internationally, with offices in the US and Continental Europe. A crucial part of its modern history is the Irish financial crisis of 2008-2011, during which BOI, along with other domestic banks, faced collapse due to excessive lending for property speculation. Between 2009 and 2011, the bank received €4.7 billion in capital from the Irish State, a crucial lifeline that differentiated it from other failed banks which were fully nationalized. BOI made the repayment of the taxpayer a top strategic priority, and by 2013, it had fully repaid the capital. A major milestone occurred in September 2022 when the Irish government completed the sale of its remaining shareholding, making Bank of Ireland the first Irish bank to return to full private ownership since the crisis, having returned approximately €6.7 billion to the State in total. The bank's current strategy is focused on building stronger customer relationships, simplifying its business operations, and maintaining a conservative lending philosophy. A strong focus is also placed on digital transformation and financial well-being initiatives. Its current market position is robust, with a substantial share of new mortgage lending in Ireland and a concentration of its loan portfolio in mortgages and corporate financing across Ireland and the UK. BOI is a publicly listed company, now fully privatized, with a diverse international shareholder base, emphasizing a sustainable banking performance and a commitment to environmental, social, and governance (ESG) factors.

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