The Governor and Company of the Bank of Ireland, Sucursal en España

The Governor and Company of the Bank of Ireland, Sucursal en España is the Spanish branch of Bank of Ireland, an Irish-authorized credit institution operating in Spain under EU freedom of establishment. Prudential supervision is carried out under the European Central Bank’s Single Supervisory Mechanism in cooperation with the Central Bank of Ireland, while the branch is subject to applicable Spanish laws and oversight for conduct and consumer matters by the Banco de España. The branch scope centers on cross-border banking services aligned with Bank of Ireland Group activity; in practice this typically includes services for corporate and institutional clients such as lending, cash management, and treasury-related solutions, with any retail availability dependent on local authorization and eligibility. Products, fees, and contractual terms are provided in pre-contractual information and follow EU requirements for transparency, payments (SEPA), and consumer protection where applicable. Eligible deposits taken by the branch, if any, are covered by the Irish Deposit Guarantee Scheme up to €100,000 per depositor, per institution, in line with EU directives, and client money and safeguarding rules follow home-state regulation supplemented by host-state conduct rules. Clients contract with Bank of Ireland as the legal entity, so counterparty risk is to the Irish bank rather than to a separately capitalized Spanish subsidiary, and financial reporting is within Bank of Ireland Group’s consolidated accounts. Complaints are handled by the branch under internal procedures and can be escalated to the Banco de España’s complaints service or to the Financial Services and Pensions Ombudsman in Ireland, depending on the nature of the issue. KYC/AML onboarding and ongoing monitoring follow EU, Irish, and Spanish requirements.