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BIRG

Bank Of Ireland Group PLC

Banks First-pass screen £13.6bn
450/1000 Overall fit
AI beneficiary 35% 28
Operating leverage 25% 68
Valuation 25% 30
Downside protection 15% 70

First-pass take

Traditional retail and corporate bank with strong Irish market positions and robust capital (15.1% CET1, 2.2% NPE). Limited direct AI revenue exposure; cost-income ratio improving from 49% to mid-40s demonstrates operating leverage. No valuation metrics in filing.

Flags

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