Bank of Ireland raises UK motor finance scandal provision to £350 million

Published 20/10/2025, 09:56
© Reuters.

Investing.com -- Bank of Ireland has significantly increased its provision for the UK motor finance commissions scandal, estimating it may need to pay out about £350 million (€403 million), the bank announced Monday.

This represents more than double the £143 million the bank had previously set aside to deal with the fallout from the scandal. Bank of Ireland had recently acknowledged it would need to increase this amount after UK regulators unveiled plans for an industry-wide compensation scheme.

The UK Financial Conduct Authority (FCA) has estimated the total cost of the redress scheme could reach £11 billion, which includes £2.8 billion in implementation and operational costs.

According to the FCA’s calculations, affected customers would receive average compensation of approximately £700 per motor finance agreement.

With Bank of Ireland holding a 2 percent share of the UK motor finance market, this suggests the bank would face a final bill of around £220 million, though the bank’s own estimate is now considerably higher at £350 million.

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