S&P Global – Irish Banking Outlook 2025

The report by S&P Global "Irish Banking Outlook 2025" explores the positive outlook for Irish banks, supported by robust profitability and sound risk management practices. Despite declining interest rates, Irish banks are expected to maintain strong earnings through credit growth, cross-selling activities, and tight cost control. Structural efficiency improvements remain critical, along with investments in digital agendas and talent retention. The report highlights the resilience of Irish banks amid external shocks, with non-performing assets expected to remain low. The report also discusses the solid capital base of Irish banks and the positive impacts of Basel 3.1 implementation, along with supportive funding conditions.