It turned out to be eventful enough in markets yesterday with the dollar staging a broad-based rally as bonds and equities sold off together. Sterling was a notable underperformer on the day, falling by just over 1% against the dollar and by 0.6% against the euro, as concerns that the UK Prime Minister’s new and beefed up economics team would create tensions with his Chancellor weighed on the currency. It remains near yesterday’s lows this morning, trading at around $1.3340 and £0.87 respectively. The euro shed around 0.6% against the dollar yesterday and hit a low of almost $1.16 earlier this morning before recovering a touch to $1.1620.
Yesterday’s Events
Long-dated bonds yields backed up the most yesterday, as this part of the curve remains under pressure amid ongoing concerns about government deficits and debt. UK and German 30-year yields both rose by around 5bps, the former hitting their highest level since 1998, while equivalent US yields increased by about 3bps. The latter have edged up further in overnight trading in Asia, which has also seen Japanese 30-year bond yields increase by around 7bps to fresh multi-year highs. Rising bond yields weighed on equity markets, with European stocks falling by almost 1.5%, the FTSE 100 in the UK off around 0.9%, and the main US indices shedding between 0.6% and 0.8%.
On the economic data front, August’s flash inflation reading in the Euro area was in line with expectations. The headline rate of inflation ticked up to 2.1% (form 2% in June), reflecting a slower pace of energy price deflation last month. Core inflation remained at 2.3% with services inflation dipping to 3.1% (from 3.2%) but goods inflation unchanged at 0.8%. Separately, ECB member Muller says “it’s reasonable right now to take the time and monitor the economic data as it comes in” over the coming months, which points to steady interest rates ahead.
In the US, the ISM index of manufacturing activity picked up in August but remained in contractionary territory (<50), coming in just under 49.0. Output and employment in the sector both fell last month, though there was a bounce in new orders after several months of contraction. Cost pressures remained elevated, partly reflecting the impact of tariffs, though they eased a touch from July.
The Day Ahead
Looking to the day ahead, economic data due include job openings and factory orders in the US; producer prices and a final services PMI reading for August in the Euro area; with a final services PMI reading for August scheduled in the UK as well. The Fed publishes its latest Beige Book, which will give some anecdotal insight into economic and business conditions over the past few weeks, while a number of Bank of England MPC members appear before Parliament’s Treasury Select Committee, where they will no doubt be quizzed about the continuing rise in UK bond yields.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
Author: Brian Cuddy
Tel: 1800 30 30 03 / +353 (0)1 790 0000
2 Sep 2025
Today's Talking Points 02.09.2025
Market Commentary
It was quiet in markets yesterday with the US on public holiday and economic data thin on the ground. In FX, the euro and sterling lost some ground to the dollar during the course of the day and both are lower again this morning, trading at around $1.1675 and $1.3450 respectively, while EURGBP is little changed from yesterday morning’s levels at around £0.8675. There’s a bit more in the way of economic data today, with a flash estimate of August inflation in the Euro area and the closely followed ISM manufacturing index in the US.
Yesterday’s Events
In government bond markets, German and UK 10-year yields both edged up by around 3bps, while equivalent US yields have followed suit in overnight trading. In equity markets, European stocks chalked up modest gains of around 0.3%, while the futures market points to a soft re-opening for US indices later today.
The Euro area labour market has remained resilient through 2025 to date. Employment has continued to increase albeit at a slightly slower pace than in the 2024. The unemployment rate has stayed low and stable, dipping to 6.2% in July (from 6.3% in June) according to yesterday’s data, matching last November’s record low reading (since the single the currency was introduced in 1999).
ECB member Schnabel says barring large shocks there is no reason to adjust interest rates in either direction, noting that “as we cannot fine-tune-inflation, we should only react to material and persistent deviations from (the 2%) target.” She also notes that, “going forward, some of the factors that may have been holding back economic growth are going to turn more supportive…in particular, trade policy uncertainty has declined significantly due to the (EU-US) trade agreement, with the agreed tariff rates being not far from our June baseline…in addition, we are expecting a significant fiscal impulse” (from increased infrastructure and defence spending).
The Day Ahead
Today’s Euro area CPI data are expected to show the headline rate of inflation ticking up to 2.1% in August from 2% in July, according to the consensus forecast, with the core rate seen dipping to 2.2% from 2.3%. In the US, the ISM manufacturing index is expected to increase in August but to remain in contractionary territory (<50) at 49.0, versus 48.0 in July.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
Author: Brian Cuddy
Tel: 1800 30 30 03 / +353 (0)1 790 0000
1 Sep 2025
Today's Talking Points 01.09.2025
Market Commentary
The euro and sterling finished Friday close to their highs of the week against the dollar and have advanced further this morning to trade at around $1.1720 and $1.3520 respectively, leaving EURGBP a touch firmer at £0.8670. Both rose by around 3 cents (or more than 2%) during August, their gains triggered by a much weaker than expected US jobs report at the start of the month and built upon after Fed Chair Powell signalled a potential resumption of interest rate cuts. This week’s key release is Friday’s US jobs report (for August), which will further shape market expectations regarding this month’s Fed monetary policy meeting (16th-17th) – the market is currently pricing in about a 70% change of a 25bps rate cut – and determine the direction for the dollar.
Yesterday’s Events
Expectations for a resumption of Fed rate cuts contributed to a rally in US bonds in August, with 2-year yields falling by almost 35bps and 10-year yields down around 15bps. Equivalent German yields were unchanged (2-year) to marginally higher (10-year) over this period, while UK bonds underperformed with 2-year and 10-year yields increasing by about 8bps and 15bps respectively (not helped by a ‘hawkish’ Bank of England rate cut in early August). In equity markets, the S&P 500 retreated from Thursday’s all-time high but closed out August up around 2%. European stocks underperformed the US during the month, gaining less than 1%.
Friday’s PCE inflation data in the US were in line with expectations. The headline inflation rate remained at 2.6% in July but core inflation nudged up to 2.9% from 2.8% in June. Goods inflation edged down to 0.5%, albeit this was still up from -0.3% as recently as March, while services inflation ticked up to 3.6% (from 3.5%).
Fed member Daly has indicated she would support a rate cut at this month’s meeting, saying “it will soon be time to recalibrate policy to better match our economy,” She notes that tariff-related price increases “will be a one off,” adding that, while “it will take time before we know that for certain…we can’t wait for perfect certainty without risking harm to the labor market.”
The Day Ahead
Looking to the week ahead, as mentioned Friday’s US jobs report is the key release – the consensus expects the economy to have added 75k jobs last month with unemployment ticking up to 4.3% – though there’s plenty of other US data as well, including the ISM manufacturing and services reports on Tuesday and Thursday respectively. We also get a flash reading of Euro area inflation for August tomorrow, with the consensus expecting headline inflation to have picked up to 2.1% last month from 2% in July.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
Author: Brian Cuddy
Tel: 1800 30 30 03 / +353 (0)1 790 0000
29 Aug 2025
Today's Talking Points 29.08.2025
Market Commentary
The euro advanced against both the dollar and sterling yesterday, although its gains were modest, with some easing of market concern about the political situation in France (evident in a decline in French government bond yields) supporting the single currency. It is trading at around $1.1670 and £0.8650 respectively this morning, off lows earlier this week of around $1.1575 and £0.86. The pound, meanwhile, has dipped to just under $1.35 against the dollar. The focus today will be on PCE inflation data in the US, which are expected to show a tariff-related increase in underlying inflation in July.
Yesterday’s Events
In government bond markets, French 10-year yields fell by around 5bps with the spread over equivalent German yields narrowing by much the same (with the latter largely unchanged yesterday). US 10-year yields continued to nudge lower, falling by around 4bps (and at about 4.20% are down the best part of 20bps since the end of July), while UK yields performed broadly in line with the US.
Fed member Waller, who voted for a 25bps cut in interest rates at the central bank’s July meeting, says the argument for lowering rates “is even stronger today”. He notes that “data on economic activity, the labour market, and inflation support moving policy toward a neutral setting (which is) 125 to 150 basis points lower” than the current level of rates of 4.25%-4.50%, and says he will be voting for a 25bps cut again at next month’s meeting.
The minutes of the ECB’s July monetary policy meeting – at which the deposit rate was left unchanged at 2% – note that “most members viewed the risks surrounding the inflation outlook as broadly balanced.” With the Euro area economy proving “resilient”, and interest rates now in “broadly neutral territory”, the minutes suggest policy is set to remain on hold over the coming months.
The Day Ahead
Today’s PCE inflation data in the US are expected to show the headline inflation rate remaining at 2.6% in July but core inflation nudging up to 2.9% from 2.8% in June. Other US data include consumer spending for July and consumer confidence for August, while elsewhere, a preliminary inflation reading for August is due in Germany.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
Author: Brian Cuddy
Tel: 1800 30 30 03 / +353 (0)1 790 0000
28 Aug 2025
Today's Talking Points 28.08.2025
Market Commentary
The dollar failed to sustain early gains yesterday as some firming of Fed rate cut expectations and a decline in US bond yields weighed on the currency. Hence the euro and sterling are back trading at around $1.1640 and $1.35 respectively this morning, well off yesterday’s lows of circa $1.1575 and $1.3415. EURGBP is little changed and at about £0.8625 remains close to the lower end of its recent tight trading range.
Yesterday’s Events
US 2-year bond yields staged a decent rally, falling by around 7bps to 3.61%, which is just shy of their 2025 to date low at the end of April and some 20bps lower than this day last week, just before Fed Chair Powell signaled a rate cut may be in the offing next month. US 10-year yields also finished lower, by around 3bps, while 30-year yields – which have been under pressure since Trump announced he was firing Fed member Cook – ended broadly flat, having been 4-5bps higher earlier in the session. Elsewhere, French bonds underperformed a touch with yields ending slightly higher on the day, while German yields closed marginally lower and UK yields finished largely unchanged. European yields generally have edged down at the start of play today
In equity markets, European stocks steadied following two days of fairly heavy losses, chalking up small gains, while US stocks ended slightly higher on the day. Nvidia’s results, released after the New York close, were broadly in line with expectations but this weren’t enough to keep the market happy (its share price losing ground post-results), though European indices have opened a touch higher lower this morning,
Fed member Williams says the US economy is “going through an adjustment process” with growth “slowing but not stalling”, adding that he believes it will be “appropriate to move interest rates down over time” while also indicating he’s open to a rate cut at September’s monetary policy meeting (16-th-17th).
The Day Ahead
It’s a busy enough day ahead in terms of economic data, with money supply/credit growth and the European Commission’s Economic Sentiment Indicator due in the Euro area and Q2 GDP (a second estimate) and the regular weekly jobless claims scheduled in the US.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
Dealer Comments
Today's Talking Points 03.09.2025
Market Commentary
It turned out to be eventful enough in markets yesterday with the dollar staging a broad-based rally as bonds and equities sold off together. Sterling was a notable underperformer on the day, falling by just over 1% against the dollar and by 0.6% against the euro, as concerns that the UK Prime Minister’s new and beefed up economics team would create tensions with his Chancellor weighed on the currency. It remains near yesterday’s lows this morning, trading at around $1.3340 and £0.87 respectively. The euro shed around 0.6% against the dollar yesterday and hit a low of almost $1.16 earlier this morning before recovering a touch to $1.1620.
Yesterday’s Events
Long-dated bonds yields backed up the most yesterday, as this part of the curve remains under pressure amid ongoing concerns about government deficits and debt. UK and German 30-year yields both rose by around 5bps, the former hitting their highest level since 1998, while equivalent US yields increased by about 3bps. The latter have edged up further in overnight trading in Asia, which has also seen Japanese 30-year bond yields increase by around 7bps to fresh multi-year highs. Rising bond yields weighed on equity markets, with European stocks falling by almost 1.5%, the FTSE 100 in the UK off around 0.9%, and the main US indices shedding between 0.6% and 0.8%.
On the economic data front, August’s flash inflation reading in the Euro area was in line with expectations. The headline rate of inflation ticked up to 2.1% (form 2% in June), reflecting a slower pace of energy price deflation last month. Core inflation remained at 2.3% with services inflation dipping to 3.1% (from 3.2%) but goods inflation unchanged at 0.8%. Separately, ECB member Muller says “it’s reasonable right now to take the time and monitor the economic data as it comes in” over the coming months, which points to steady interest rates ahead.
In the US, the ISM index of manufacturing activity picked up in August but remained in contractionary territory (<50), coming in just under 49.0. Output and employment in the sector both fell last month, though there was a bounce in new orders after several months of contraction. Cost pressures remained elevated, partly reflecting the impact of tariffs, though they eased a touch from July.
The Day Ahead
Looking to the day ahead, economic data due include job openings and factory orders in the US; producer prices and a final services PMI reading for August in the Euro area; with a final services PMI reading for August scheduled in the UK as well. The Fed publishes its latest Beige Book, which will give some anecdotal insight into economic and business conditions over the past few weeks, while a number of Bank of England MPC members appear before Parliament’s Treasury Select Committee, where they will no doubt be quizzed about the continuing rise in UK bond yields.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
2 Sep 2025
Today's Talking Points 02.09.2025
Market Commentary
It was quiet in markets yesterday with the US on public holiday and economic data thin on the ground. In FX, the euro and sterling lost some ground to the dollar during the course of the day and both are lower again this morning, trading at around $1.1675 and $1.3450 respectively, while EURGBP is little changed from yesterday morning’s levels at around £0.8675. There’s a bit more in the way of economic data today, with a flash estimate of August inflation in the Euro area and the closely followed ISM manufacturing index in the US.
Yesterday’s Events
In government bond markets, German and UK 10-year yields both edged up by around 3bps, while equivalent US yields have followed suit in overnight trading. In equity markets, European stocks chalked up modest gains of around 0.3%, while the futures market points to a soft re-opening for US indices later today.
The Euro area labour market has remained resilient through 2025 to date. Employment has continued to increase albeit at a slightly slower pace than in the 2024. The unemployment rate has stayed low and stable, dipping to 6.2% in July (from 6.3% in June) according to yesterday’s data, matching last November’s record low reading (since the single the currency was introduced in 1999).
ECB member Schnabel says barring large shocks there is no reason to adjust interest rates in either direction, noting that “as we cannot fine-tune-inflation, we should only react to material and persistent deviations from (the 2%) target.” She also notes that, “going forward, some of the factors that may have been holding back economic growth are going to turn more supportive…in particular, trade policy uncertainty has declined significantly due to the (EU-US) trade agreement, with the agreed tariff rates being not far from our June baseline…in addition, we are expecting a significant fiscal impulse” (from increased infrastructure and defence spending).
The Day Ahead
Today’s Euro area CPI data are expected to show the headline rate of inflation ticking up to 2.1% in August from 2% in July, according to the consensus forecast, with the core rate seen dipping to 2.2% from 2.3%. In the US, the ISM manufacturing index is expected to increase in August but to remain in contractionary territory (<50) at 49.0, versus 48.0 in July.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
1 Sep 2025
Today's Talking Points 01.09.2025
Market Commentary
The euro and sterling finished Friday close to their highs of the week against the dollar and have advanced further this morning to trade at around $1.1720 and $1.3520 respectively, leaving EURGBP a touch firmer at £0.8670. Both rose by around 3 cents (or more than 2%) during August, their gains triggered by a much weaker than expected US jobs report at the start of the month and built upon after Fed Chair Powell signalled a potential resumption of interest rate cuts. This week’s key release is Friday’s US jobs report (for August), which will further shape market expectations regarding this month’s Fed monetary policy meeting (16th-17th) – the market is currently pricing in about a 70% change of a 25bps rate cut – and determine the direction for the dollar.
Yesterday’s Events
Expectations for a resumption of Fed rate cuts contributed to a rally in US bonds in August, with 2-year yields falling by almost 35bps and 10-year yields down around 15bps. Equivalent German yields were unchanged (2-year) to marginally higher (10-year) over this period, while UK bonds underperformed with 2-year and 10-year yields increasing by about 8bps and 15bps respectively (not helped by a ‘hawkish’ Bank of England rate cut in early August). In equity markets, the S&P 500 retreated from Thursday’s all-time high but closed out August up around 2%. European stocks underperformed the US during the month, gaining less than 1%.
Friday’s PCE inflation data in the US were in line with expectations. The headline inflation rate remained at 2.6% in July but core inflation nudged up to 2.9% from 2.8% in June. Goods inflation edged down to 0.5%, albeit this was still up from -0.3% as recently as March, while services inflation ticked up to 3.6% (from 3.5%).
Fed member Daly has indicated she would support a rate cut at this month’s meeting, saying “it will soon be time to recalibrate policy to better match our economy,” She notes that tariff-related price increases “will be a one off,” adding that, while “it will take time before we know that for certain…we can’t wait for perfect certainty without risking harm to the labor market.”
The Day Ahead
Looking to the week ahead, as mentioned Friday’s US jobs report is the key release – the consensus expects the economy to have added 75k jobs last month with unemployment ticking up to 4.3% – though there’s plenty of other US data as well, including the ISM manufacturing and services reports on Tuesday and Thursday respectively. We also get a flash reading of Euro area inflation for August tomorrow, with the consensus expecting headline inflation to have picked up to 2.1% last month from 2% in July.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
29 Aug 2025
Today's Talking Points 29.08.2025
Market Commentary
The euro advanced against both the dollar and sterling yesterday, although its gains were modest, with some easing of market concern about the political situation in France (evident in a decline in French government bond yields) supporting the single currency. It is trading at around $1.1670 and £0.8650 respectively this morning, off lows earlier this week of around $1.1575 and £0.86. The pound, meanwhile, has dipped to just under $1.35 against the dollar. The focus today will be on PCE inflation data in the US, which are expected to show a tariff-related increase in underlying inflation in July.
Yesterday’s Events
In government bond markets, French 10-year yields fell by around 5bps with the spread over equivalent German yields narrowing by much the same (with the latter largely unchanged yesterday). US 10-year yields continued to nudge lower, falling by around 4bps (and at about 4.20% are down the best part of 20bps since the end of July), while UK yields performed broadly in line with the US.
Fed member Waller, who voted for a 25bps cut in interest rates at the central bank’s July meeting, says the argument for lowering rates “is even stronger today”. He notes that “data on economic activity, the labour market, and inflation support moving policy toward a neutral setting (which is) 125 to 150 basis points lower” than the current level of rates of 4.25%-4.50%, and says he will be voting for a 25bps cut again at next month’s meeting.
The minutes of the ECB’s July monetary policy meeting – at which the deposit rate was left unchanged at 2% – note that “most members viewed the risks surrounding the inflation outlook as broadly balanced.” With the Euro area economy proving “resilient”, and interest rates now in “broadly neutral territory”, the minutes suggest policy is set to remain on hold over the coming months.
The Day Ahead
Today’s PCE inflation data in the US are expected to show the headline inflation rate remaining at 2.6% in July but core inflation nudging up to 2.9% from 2.8% in June. Other US data include consumer spending for July and consumer confidence for August, while elsewhere, a preliminary inflation reading for August is due in Germany.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.
28 Aug 2025
Today's Talking Points 28.08.2025
Market Commentary
The dollar failed to sustain early gains yesterday as some firming of Fed rate cut expectations and a decline in US bond yields weighed on the currency. Hence the euro and sterling are back trading at around $1.1640 and $1.35 respectively this morning, well off yesterday’s lows of circa $1.1575 and $1.3415. EURGBP is little changed and at about £0.8625 remains close to the lower end of its recent tight trading range.
Yesterday’s Events
US 2-year bond yields staged a decent rally, falling by around 7bps to 3.61%, which is just shy of their 2025 to date low at the end of April and some 20bps lower than this day last week, just before Fed Chair Powell signaled a rate cut may be in the offing next month. US 10-year yields also finished lower, by around 3bps, while 30-year yields – which have been under pressure since Trump announced he was firing Fed member Cook – ended broadly flat, having been 4-5bps higher earlier in the session. Elsewhere, French bonds underperformed a touch with yields ending slightly higher on the day, while German yields closed marginally lower and UK yields finished largely unchanged. European yields generally have edged down at the start of play today
In equity markets, European stocks steadied following two days of fairly heavy losses, chalking up small gains, while US stocks ended slightly higher on the day. Nvidia’s results, released after the New York close, were broadly in line with expectations but this weren’t enough to keep the market happy (its share price losing ground post-results), though European indices have opened a touch higher lower this morning,
Fed member Williams says the US economy is “going through an adjustment process” with growth “slowing but not stalling”, adding that he believes it will be “appropriate to move interest rates down over time” while also indicating he’s open to a rate cut at September’s monetary policy meeting (16-th-17th).
The Day Ahead
It’s a busy enough day ahead in terms of economic data, with money supply/credit growth and the European Commission’s Economic Sentiment Indicator due in the Euro area and Q2 GDP (a second estimate) and the regular weekly jobless claims scheduled in the US.
We would like to hear your opinion and invite you to share your experience of using Bank of Ireland services, in relation to Foreign Exchange, International FX Payments and also our digital payment platform FXPay. This will assist us to improve our service and help us to support your business going forward.
As part of this, we are conducting a survey and we’d really welcome your participation please.
The survey was issued on 21st August 2025 from feedback@survey.boi.com. It may be in your spam folder, but please remember that we will never ask you for any confidential information.
If you have any questions, please let me know.