Credit Ratings

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

Rating Agencies	Standard & Poor’s	Moody’s	Fitch
Long Term	BBB	A3	A-
Outlook*	Positive	Positive	Stable
Short Term	A-2	N/A	F2

Governor and Company of the Bank of Ireland

Rating Agencies	Standard & Poor’s	Moody’s	Fitch
Long Term	A	A1 (Deposit Rating A1)	A
Outlook*	Positive	Positive (Deposit Outlook Positive)	Stable
Covered Bond Rating	N/A	Aaa	N/A
Short Term	A-1	Prime-1	F1

Last revision to ratings or outlook 25th November 2024

*Long term outlook

• Standard & Poor’s

  Standard & Poor's
  10/01/2025	S&P - BOI Group Rating Report - 10 Jan 2025 - 1 MB	View Print
  27/11/2024	S&P - Affirmed BOI ratings - Outlook revised to Positive - 147 KB	View Print
  20/06/2023	S&P – BOI Group Upgrade to BBB (Stable Outlook) – 14 Jun 2023 - 155 KB	View Print
  20/06/2023	S&P – BOI Group Full Rating Report – 08 Feb 2023 - 2 MB	View Print
  23/12/2022	S&P Revision On Outlook Rating - 251 KB	View Print
  17/05/2022	S&P - Revision of Outlooks on Two Largest Irish Banks - 16 May 2022 - 138 KB	View Print
  04/10/2021	S&P - Bank of Ireland Group Rating Report 30 September 2021 - 588 KB	View Print
  30/06/2021	S&P - Irish Bank Ratings Affirmed - 24 June 2021 - 124 KB	View Print
  11/01/2021	S&P - Bank of Ireland Group Rating Report - 2 MB	View Print
  01/09/2020	S&P - BOI Group Full Rating Report 30 Jun 2020 - 2 MB	View Print
  29/04/2020	S&P - Affirmed BOI ratings - Outlook revised to Negative - 117 KB	View Print
  24/12/2019	S&P - Bank of Ireland Upgraded to 'A-' - 116 KB	View Print
  30/08/2019	S&P - Bank of Ireland Rating Report - 693 KB	View Print
  07/01/2019	S&P - Bank of Ireland Rating Report - 755 KB	View Print
  18/12/2018	S&P - Rating Actions Taken On Irish banks - 292 KB	View Print
  03/10/2018	Bank of Ireland Rating Report - 284 KB	View Print

• Moody’s

  Moodys
  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