爱尔兰银行2025年的利润下降至1.4B欧元,原因是利率降低和英国的金融收费,但它增加了爱尔兰的贷款、存款和财富资产,将1.2B欧元返还股东。 Bank of Ireland's 2025 profit fell to €1.4B due to lower rates and a UK finance charge, but it boosted Irish loans, deposits, and wealth assets, returning €1.2B to shareholders.

爱尔兰银行报告2025年的税前利润为14亿欧元,低于2024年的18.6亿欧元,原因是利率降低,联合王国汽车金融业务收费2.64亿欧元。 Bank of Ireland reported a 2025 pre-tax profit of €1.4 billion, down from €1.86 billion in 2024, due to lower interest rates and a €264 million charge on its UK motor finance business. 尽管情况有所下降,但爱尔兰银行的贷款和存款却增长了6%,管理下的财富资产增长了9%,在整个周期产生了50亿欧元的资本。 Despite the decline, the bank saw 6% growth in Irish loans and deposits, a 9% rise in wealth assets under management, and €5 billion in capital generated over the cycle. 它宣布12亿欧元的股东回报,包括0.70欧元的股息和5.3亿欧元的回购,相当于收入的100%。 It announced a €1.2 billion shareholder return, including a €0.70 dividend and €530 million buyback, equaling 100% of earnings. 预计到2028年净利息收入将达到38.5亿欧元,辅之以贷款增长和结构性套期保值。 Net interest income is projected to reach €3.85 billion by 2028, supported by lending growth and structural hedging. 该银行的目标是利用AI在2028年前将其成本收入比率降至40年代中期,并继续投资于数字服务和客户经验。 The bank aims to reduce its cost-income ratio to the mid-40s by 2028 using AI, with continued investment in digital services and customer experience.