Bank of Ireland Group PLC (BIRG) - Net Assets
Based on the latest financial reports, Bank of Ireland Group PLC (BIRG) has net assets worth €13.07 Billion EUR (≈ $15.28 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€162.38 Billion ≈ $189.83 Billion USD) and total liabilities (€149.31 Billion ≈ $174.56 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €13.07 Billion |
| % of Total Assets | 8.05% |
| Annual Growth Rate | 9.01% |
| 5-Year Change | 35.21% |
| 10-Year Change | 38.36% |
| Growth Volatility | 128.98 |
Bank of Ireland Group PLC - Net Assets Trend (1985–2024)
This chart illustrates how Bank of Ireland Group PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bank of Ireland Group PLC (1985–2024)
The table below shows the annual net assets of Bank of Ireland Group PLC from 1985 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €13.01 Billion ≈ $15.21 Billion |
+3.57% |
| 2023-12-31 | €12.56 Billion ≈ $14.69 Billion |
+5.27% |
| 2022-12-31 | €11.93 Billion ≈ $13.95 Billion |
+5.24% |
| 2021-12-31 | €11.34 Billion ≈ $13.26 Billion |
+17.85% |
| 2020-12-31 | €9.62 Billion ≈ $11.25 Billion |
-7.78% |
| 2019-12-31 | €10.43 Billion ≈ $12.20 Billion |
+3.80% |
| 2018-12-31 | €10.05 Billion ≈ $11.75 Billion |
+3.97% |
| 2017-12-31 | €9.67 Billion ≈ $11.30 Billion |
-83.21% |
| 2017-10-31 | €57.56 Billion ≈ $67.30 Billion |
+512.25% |
| 2016-12-31 | €9.40 Billion ≈ $10.99 Billion |
-82.63% |
| 2016-10-31 | €54.14 Billion ≈ $63.30 Billion |
+494.13% |
| 2015-12-31 | €9.11 Billion ≈ $10.65 Billion |
-81.77% |
| 2015-10-31 | €50.00 Billion ≈ $58.46 Billion |
+471.62% |
| 2014-12-31 | €8.75 Billion ≈ $10.23 Billion |
+11.16% |
| 2013-12-31 | €7.87 Billion ≈ $9.20 Billion |
-8.54% |
| 2012-12-31 | €8.60 Billion ≈ $10.06 Billion |
-16.07% |
| 2011-12-31 | €10.25 Billion ≈ $11.99 Billion |
+38.41% |
| 2010-12-31 | €7.41 Billion ≈ $8.66 Billion |
+15.07% |
| 2009-12-31 | €6.44 Billion ≈ $7.53 Billion |
-6.89% |
| 2008-12-31 | €6.91 Billion ≈ $8.08 Billion |
+6.00% |
| 2007-12-31 | €6.52 Billion ≈ $7.62 Billion |
-3.49% |
| 2006-12-31 | €6.76 Billion ≈ $7.90 Billion |
+25.78% |
| 2005-12-31 | €5.37 Billion ≈ $6.28 Billion |
+9.15% |
| 2004-12-31 | €4.92 Billion ≈ $5.75 Billion |
+11.73% |
| 2003-12-31 | €4.41 Billion ≈ $5.15 Billion |
+2.22% |
| 2002-12-31 | €4.31 Billion ≈ $5.04 Billion |
-1.35% |
| 2001-12-31 | €4.37 Billion ≈ $5.11 Billion |
+11.57% |
| 2000-12-31 | €3.92 Billion ≈ $4.58 Billion |
+16.17% |
| 1999-12-31 | €3.37 Billion ≈ $3.94 Billion |
+14.83% |
| 1998-12-31 | €2.94 Billion ≈ $3.43 Billion |
+40.29% |
| 1997-12-31 | €2.09 Billion ≈ $2.45 Billion |
+16.58% |
| 1996-12-31 | €1.79 Billion ≈ $2.10 Billion |
+15.07% |
| 1995-12-31 | €1.56 Billion ≈ $1.82 Billion |
+50.97% |
| 1994-12-31 | €1.03 Billion ≈ $1.21 Billion |
+14.55% |
| 1993-12-31 | €902.00 Million ≈ $1.05 Billion |
+21.20% |
| 1992-12-31 | €744.20 Million ≈ $870.05 Million |
+5.46% |
| 1991-12-31 | €705.70 Million ≈ $825.04 Million |
+13.02% |
| 1990-12-31 | €624.40 Million ≈ $729.99 Million |
+4.33% |
| 1989-12-31 | €598.50 Million ≈ $699.71 Million |
+4.07% |
| 1988-12-31 | €575.10 Million ≈ $672.35 Million |
+2.75% |
| 1987-12-31 | €559.70 Million ≈ $654.35 Million |
+18.73% |
| 1986-12-31 | €471.40 Million ≈ $551.12 Million |
+4.64% |
| 1985-12-31 | €450.50 Million ≈ $526.68 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Bank of Ireland Group PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1047300000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €10.47 Billion | 80.52% |
| Other Components | €2.53 Billion | 19.48% |
| Total Equity | €13.01 Billion | 100.00% |
Bank of Ireland Group PLC Competitors by Market Cap
The table below lists competitors of Bank of Ireland Group PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lululemon Athletica Inc
F:33L
|
$15.95 Billion |
|
REA Group Ltd
AU:REA
|
$15.98 Billion |
|
VAT Group AG
SW:VACN
|
$15.99 Billion |
|
Banco Santander Chile
NYSE:BSAC
|
$15.99 Billion |
|
United Microelectronics Corporation
F:UMCB
|
$15.95 Billion |
|
Z HOLDINGS CORP. ADR 2
F:YOJ0
|
$15.94 Billion |
|
Sichuan Tianqi Lithium Industries Inc
SHE:002466
|
$15.93 Billion |
|
Huazhu Group Ltd
NASDAQ:HTHT
|
$15.93 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank of Ireland Group PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 12,558,000,000 to 13,006,000,000, a change of 448,000,000 (3.6%).
- Net income of 1,531,000,000 contributed positively to equity growth.
- Dividend payments of 973,000,000 reduced retained earnings.
- Share repurchases of 520,000,000 reduced equity.
- Other factors increased equity by 410,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.53 Billion | +11.77% |
| Dividends Paid | €973.00 Million | -7.48% |
| Share Repurchases | €520.00 Million | -4.0% |
| Other Changes | €410.00 Million | +3.15% |
| Total Change | €- | 3.57% |
Book Value vs Market Value Analysis
This analysis compares Bank of Ireland Group PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.22x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.92x to 1.22x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1985-12-31 | €8.25 | €15.81 | x |
| 1986-12-31 | €8.63 | €15.81 | x |
| 1987-12-31 | €10.16 | €15.81 | x |
| 1988-12-31 | €10.43 | €15.81 | x |
| 1989-12-31 | €10.86 | €15.81 | x |
| 1990-12-31 | €11.33 | €15.81 | x |
| 1991-12-31 | €32.35 | €15.81 | x |
| 1992-12-31 | €34.11 | €15.81 | x |
| 1993-12-31 | €36.46 | €15.81 | x |
| 1994-12-31 | €40.23 | €15.81 | x |
| 1995-12-31 | €60.08 | €15.81 | x |
| 1996-12-31 | €68.32 | €15.81 | x |
| 1997-12-31 | €77.32 | €15.81 | x |
| 1998-12-31 | €103.88 | €15.81 | x |
| 1999-12-31 | €60.98 | €15.81 | x |
| 2000-12-31 | €71.81 | €15.81 | x |
| 2001-12-31 | €81.42 | €15.81 | x |
| 2002-12-31 | €77.82 | €15.81 | x |
| 2003-12-31 | €81.47 | €15.81 | x |
| 2004-12-31 | €92.94 | €15.81 | x |
| 2005-12-31 | €103.00 | €15.81 | x |
| 2006-12-31 | €129.58 | €15.81 | x |
| 2007-12-31 | €126.63 | €15.81 | x |
| 2008-12-31 | €131.24 | €15.81 | x |
| 2010-12-31 | €140.80 | €15.81 | x |
| 2011-12-31 | €19.49 | €15.81 | x |
| 2012-12-31 | €8.56 | €15.81 | x |
| 2013-12-31 | €7.85 | €15.81 | x |
| 2014-12-31 | €8.12 | €15.81 | x |
| 2015-12-31 | €8.45 | €15.81 | x |
| 2016-12-31 | €8.72 | €15.81 | x |
| 2017-12-31 | €8.23 | €15.81 | x |
| 2018-12-31 | €8.60 | €15.81 | x |
| 2019-12-31 | €8.95 | €15.81 | x |
| 2020-12-31 | €8.90 | €15.81 | x |
| 2021-12-31 | €10.50 | €15.81 | x |
| 2022-12-31 | €11.10 | €15.81 | x |
| 2023-12-31 | €11.89 | €15.81 | x |
| 2024-12-31 | €12.97 | €15.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank of Ireland Group PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.77%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 34.31%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.44x
- Recent ROE (11.77%) is below the historical average (12.74%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1987 | 23.66% | 0.00% | 0.00x | 15.79x | €76.43 Million |
| 1988 | 27.73% | 0.00% | 0.00x | 19.26x | €101.99 Million |
| 1989 | 25.10% | 0.00% | 0.00x | 22.43x | €90.35 Million |
| 1990 | 8.57% | 0.00% | 0.00x | 23.73x | €-8.94 Million |
| 1991 | 3.20% | 0.00% | 0.00x | 21.06x | €-47.97 Million |
| 1992 | 9.81% | 0.00% | 0.00x | 21.49x | €-1.42 Million |
| 1993 | 19.51% | 0.00% | 0.00x | 19.23x | €85.80 Million |
| 1994 | 21.70% | 0.00% | 0.00x | 18.08x | €120.88 Million |
| 1995 | 17.39% | 0.00% | 0.00x | 17.06x | €115.23 Million |
| 1996 | 18.86% | 0.00% | 0.00x | 13.91x | €159.02 Million |
| 1997 | 22.45% | 0.00% | 0.00x | 24.05x | €260.55 Million |
| 1998 | 27.03% | 0.00% | 0.00x | 18.50x | €500.02 Million |
| 1999 | 21.21% | 0.00% | 0.00x | 20.18x | €377.90 Million |
| 2000 | 19.33% | 0.00% | 0.00x | 20.14x | €365.40 Million |
| 2001 | 20.85% | 31.60% | 0.03x | 19.97x | €474.06 Million |
| 2002 | 19.91% | 28.42% | 0.03x | 21.34x | €414.52 Million |
| 2003 | 22.02% | 31.35% | 0.03x | 24.86x | €513.94 Million |
| 2004 | 22.57% | 33.59% | 0.03x | 26.41x | €602.02 Million |
| 2005 | 24.49% | 25.26% | 0.03x | 30.47x | €772.20 Million |
| 2006 | 24.55% | 27.00% | 0.03x | 28.08x | €978.60 Million |
| 2007 | 26.20% | 33.48% | 0.03x | 30.45x | €1.05 Billion |
| 2008 | 0.77% | 1.45% | 0.02x | 28.33x | €-632.20 Million |
| 2010 | -8.35% | -9.57% | 0.04x | 22.78x | €-1.35 Billion |
| 2011 | 0.44% | 1.10% | 0.03x | 15.18x | €-975.20 Million |
| 2012 | -21.23% | -58.84% | 0.02x | 17.24x | €-2.68 Billion |
| 2013 | -6.18% | -11.43% | 0.03x | 16.78x | €-1.27 Billion |
| 2014 | 8.98% | 15.07% | 0.04x | 14.83x | €-89.30 Million |
| 2015 | 12.27% | 21.38% | 0.03x | 16.88x | €1.13 Billion |
| 2015 | 10.32% | 19.55% | 0.04x | 14.37x | €28.80 Million |
| 2016 | 12.31% | 21.82% | 0.03x | 16.22x | €1.25 Billion |
| 2016 | 8.44% | 16.91% | 0.04x | 13.10x | €-147.10 Million |
| 2017 | 14.17% | 23.30% | 0.04x | 17.24x | €2.40 Billion |
| 2017 | 7.50% | 14.43% | 0.04x | 13.83x | €-221.90 Million |
| 2018 | 6.71% | 16.38% | 0.03x | 13.38x | €-304.30 Million |
| 2019 | 4.01% | 6.91% | 0.04x | 13.70x | €-576.50 Million |
| 2020 | -7.77% | -17.04% | 0.03x | 14.00x | €-1.70 Billion |
| 2021 | 9.30% | 17.23% | 0.04x | 13.78x | €-79.00 Million |
| 2022 | 7.49% | 27.24% | 0.02x | 12.75x | €-297.50 Million |
| 2023 | 12.70% | 35.52% | 0.03x | 12.40x | €339.20 Million |
| 2024 | 11.77% | 34.31% | 0.03x | 12.44x | €230.40 Million |
Industry Comparison
This section compares Bank of Ireland Group PLC's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,247,952,472
- Average return on equity (ROE) among peers: 20.89%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank of Ireland Group PLC (BIRG) | €13.07 Billion | 23.66% | 11.43x | $15.95 Billion |
| AIB Group PLC (A5G) | $3.25 Billion | 20.89% | 15.52x | $18.42 Billion |
About Bank of Ireland Group PLC
Bank of Ireland Group plc provides banking and other financial services in the Republic of Ireland, the United Kingdom, and internationally. It offers current and savings accounts, demand and notice accounts, and business accounts and deposits; personal, car, home improvement and energy upgrade, top-up loans, and student loans, as well as overdrafts and mortgages; and business and farming loans, … Read more