Credit Ratings

Bank of Ireland Group plc (holding company of the Group)

Rating Agencies		Moody’s	Fitch
Long Term		A2	A-
Outlook*		Stable	Stable
Short Term		N/A	F2

Governor and Company of the Bank of Ireland

Rating Agencies		Moody’s	Fitch
Long Term		Aa3 (Deposit Rating Aa3)	A
Outlook*		Stable (Deposit Outlook Stable)	Stable
Covered Bond Rating		Aaa	N/A
		Prime-1	F1

Last revision to ratings or outlook 12 September 2025

*Long term outlook

• Moody’s

  Moodys
  19/09/2025	Moody's - BOI Credit Opinion - 19 Sep 2025 - 218 KB	View Print
  12/09/2025	Moody’s - Rating Actions Upgrades Bank - 12 September 2025 - 44 KB	View Print
  29/07/2025	Moody's - BOI Credit Opinion - 29 Jul 2025 - 139 KB	View Print
  24/01/2025	Moody's - BOI Credit Opinion - 24 Jan 2025 - 140 KB	View Print
  29/07/2024	Moody's - BOI Credit Opinion - 29 Jul 2024 - 129 KB	View Print
  06/12/2023	Moody’s - Rating Actions on Irish Banks - 05 December 2023 - 278 KB	View Print
  03/07/2023	Moody's - BOI Credit Opinion - 30 Jun 2023 - 1 MB	View Print
  20/06/2023	Moody’s – BOI Credit Opinion – 19 Dec 2022 - 1 MB	View Print
  20/06/2023	Moody’s – BOI Credit Opinion – 01 Jun 2022 - 2 MB	View Print
  17/05/2022	Moody’s - Rating Actions on Irish Banks - 13 May 2022 - 127 KB	View Print
  16/08/2021	Moody's - Credit Opinion on BOI 16 August 2021 - 1 MB	View Print
  19/07/2021	Moody's - Credit Opinion on BOI 16 July 2021 - 1 MB	View Print
  14/07/2021	Moody's - Bank of Ireland Group - Upgrade to Baa1 13 Jul 2021 - 124 KB	View Print
  10/05/2021	Moody's - Credit Opinion on BOI 07 May 2021 - 1 MB	View Print
  21/12/2020	Moody's - Credit Opinion on BOI 18 Dec 2020 - 1 MB	View Print
  01/09/2020	Moody's - Credit Opinion on BOI 03 Mar 2020 - 1 MB	View Print
  01/09/2020	Moody's - Credit Opinion on BOI 11 Jun 2020 - 1 MB	View Print
  17/12/2019	Moody's - Bank of Ireland - Post Rating Action Update - 1 MB	View Print
  06/12/2019	Moody's - Upgrades the long term bank deposit and debt ratings - 136 KB	View Print
  19/07/2019	Moody’s – Update following upgrade of issuer and senior unsecured debt - 1 MB	View Print
  11/07/2019	Moody's - Moody's Upgrades BOI's Issuer and Senior Unsecured Debt ratings - 117 KB	View Print
  20/06/2019	Moody’s – Bank of Ireland: Moody's Update to credit analysis June 2019 - 1 MB	View Print
  21/12/2018	Moody's - Bank of Ireland: Moody's Update to credit analysis December 2018 - 1 MB	View Print
  11/12/2018	Moody’s - Moody's upgrades BOI and changes BOI UK's outlook to positive - 118 KB	View Print

• Fitch

  Fitch
  10/06/2025	Fitch - BOI Group Rating Report - 10 Jun 2025 - 381 KB	View Print
  20/05/2025	Fitch Upgrades Bank of Ireland Group plc to 'A-'; Outlook Stable - 20 May 2025 - 122 KB	View Print
  25/04/2025	Fitch - BOI Group Rating Report - 25 Apr 2025 - 354 KB	View Print
  10/12/2024	Fitch - BOI Group Rating Report - 10 Dec 2024 - 375 KB	View Print
  10/07/2024	Fitch Revises Bank of Ireland Group plc's Outlook to Positive, Affirms at 'BBB+' - 09 July 2024 - 4 MB	View Print
  27/07/2023	Fitch Upgrades Bank of Ireland Group plc to 'BBB+'; Outlook Stable - 26 Jul 2023 - 57 KB	View Print
  20/06/2023	Fitch – Full Rating Report – 14 April 2023 - 269 KB	View Print
  20/06/2023	Fitch – BOI Group Full Rating Report – 27 Oct 2022 - 583 KB	View Print
  20/09/2022	Fitch affirms Bank of Ireland Group rating at BBB (outlook stable) - 16 September 2022 - 181 KB	View Print
  17/05/2022	Fitch - BOI Full Rating Report - 16 May 2022 - 259 KB	View Print
  02/11/2021	Bank of Ireland Full Rating Report - 286 KB	View Print
  04/10/2021	Fitch Revises Bank of Ireland Group's Outlook to Stable; Affirms Ratings - 60 KB	View Print
  22/04/2021	Bank of Ireland Full Rating Report - 414 KB	View Print
  02/03/2021	Fitch Rates Bank of Ireland Group's EMTN Programme, Senior, Tier 2 and AT1 Notes - 138 KB	View Print
  02/12/2020	Fitch Affirms Bank of Ireland Group at 'BBB'; Outlook Negative 15 Oct 2020 - 139 KB	View Print
  01/09/2020	Bank of Ireland Full Rating Report - 343 KB	View Print
  02/04/2020	Fitch Takes Actions on Large Irish Banking Groups on Coronavirus Uncertainties - 52 KB	View Print
  18/03/2020	Fitch Removes Large Irish Banks and UK Subsidiaries from Under Criteria Observation - 127 KB	View Print
  06/11/2019	Fitch Affirms Bank of Ireland Group Plc at ‘BBB’; Outlook Stable - 327 KB	View Print
  13/11/2018	Fitch Affirms Bank of Ireland Group Plc; Outlook Stable - 27 KB	View Print

• Rating Agency Reports on BOIMB

  Rating Agency Reports on BOIMB
  Moody's BOI Covered Bond Programme - 120 KB	View Print
  DBRS Upgrades Ratings on Bank of Ireland Mortgage Bank Mortgage Covered Securities - 111 KB	View Print
  Moody's upgrades several Irish mortgage covered bond ratings - 120 KB	View Print