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Full Year 2019 Bank of Ireland Group PLC Earnings Call Transcript
Good morning, everyone, and welcome. Over the year, we have continued to make progress against our 3 strategic priorities: to transform the bank, serve customers brilliantly and grow sustainable profits. This morning, Myles and I will set out the progress that we've made, update you on the action we're taking to control the controllables, and provide new guidance on a number of our financial targets.
The group had a successful 2019. We generated underlying profit before tax of EUR 758 million; operating profit, pre-impairment, grew by 10%; we delivered strong net lending growth of EUR 2 billion; Wealth and Insurance income increased by 11%; costs reduced by a further 4%, achieving a second year of positive jaws. We're benefiting from investment in our transformation, and we generated organic capital of 170 basis points with a proposed 9% increase in our dividend.
The Irish economy continues to perform with strong GDP growth and unemployment at a 13-year low. Brexit has, of course, made itself felt.
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