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Changing Banking
Culture in Ireland

The Irish Banking Culture Board (IBCB) has one overriding mission:

To work with our member banks to build trustworthiness with the public.

The IBCB requires our participating banks improve culture, customer outcomes and competence.

Rooted in the knowledge that a changed culture will change outcomes, we promote ethical behaviour and advocate for humanity, decency and respect in the banking sector.


Read more about our Vision & Purpose >>

Recent News

Irish Banking Culture Board releases Public Trust in Banking Survey 2024
Irish Banking Culture Board releases Public Trust in Banking Survey...
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Irish Banking Culture Board Releases 2023 Annual Report Highlighting Progress on improving Banking Culture and Building Public Trust
Irish Banking Culture Board Releases 2023 Annual Report Highlighting Progress...
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Irish Banking Culture Board Launches Inclusive Communications Initiative 
Irish Banking Culture Board Launches Inclusive Communications Initiative 
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Irish Banking Culture Board Hosts Behaviour & Culture Conference 
Irish Banking Culture Board Hosts Behaviour & Culture Conference 
Read More >>
SFA’s Better Business Spring 2024 edition
SFA’s Better Business Spring 2024 edition
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Professional Diploma in Leading Cultural Change and Ethical Behaviour in Financial Services 2024
Professional Diploma in Leading Cultural Change and Ethical Behaviour in...
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Irish Banking Culture Board hosts inaugural Proud to Work in Banking Awards
Irish Banking Culture Board hosts inaugural Proud to Work in...
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Irish Banking Culture Board Partners with Inclusion Ireland to progress Financial Inclusion 
Irish Banking Culture Board Partners with Inclusion Ireland to progress...
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Continuing to protect the interests of bank customers and staff in a fast-evolving sector central to purpose of IBCB
Continuing to protect the interests of bank customers and staff...
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Irish Banking Culture Board: éist 2023 Staff Culture Survey and Staff Event
Irish Banking Culture Board: éist 2023 Staff Culture Survey and...
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IBCB éist 2023: Slow Recovery in Trust Continues in the Banking Sector
IBCB éist 2023: Slow Recovery in Trust Continues in the...
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Our CEO Marion Kelly explores culture in financial services, the progress made & challenges ahead in this podcast from the Compliance Institute
Our CEO Marion Kelly explores culture in financial services, the progress made...
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IBCB Response to the Publication of the Department of Finance Retail Banking Review Public Consultation
IBCB Response to the Publication of the Department of Finance...
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Banking must be rooted in a trust-based culture with customers and staff at the centre
Banking must be rooted in a trust-based culture with customers...
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IBCB Statement on conclusion of Central Bank of Ireland’s Tracker Mortgage Examinations
IBCB Statement on conclusion of Central Bank of Ireland’s Tracker...
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Irish Banking Culture Board hosts ‘Proud to Work in Banking’ event for bank staff
Irish Banking Culture Board hosts ‘Proud to Work in Banking’...
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Professional Certificate in Consumer Protection Risk, Culture and Ethical Behaviour in Financial Services- IOB
Professional Certificate in Consumer Protection Risk, Culture and Ethical Behaviour in Financial...
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IBCB CEO Marion Kelly "Future of Banking" Speech at The 2022 DEW Annual Economic Policy Conference, Wexford, 17th September 2022
IBCB CEO Marion Kelly "Future of Banking" Speech at The...
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Professional Diploma in Leading Cultural Change and Ethical Behaviour in Financial Services 2022/23
Professional Diploma in Leading Cultural Change and Ethical Behaviour in...
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Irish Banking Culture Board publishes 2022 éist Report on Public Trust in Banking
Irish Banking Culture Board publishes 2022 éist Report on Public...
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IBCB statement on tracker fine imposed on AIB by Central Bank
IBCB statement on tracker fine imposed on AIB by Central...
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The Irish Banking Culture Board endorses UN Principles for Responsible Banking
The Irish Banking Culture Board endorses UN Principles for Responsible...
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Guiding Principles for Customer Support for Account Closure, Opening & Moving 
Guiding Principles for Customer Support for Account Closure, Opening &...
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IBCB and BPFI announce Guiding Principles for banks support of customers and staff through current account migration 
IBCB and BPFI announce Guiding Principles for banks support of...
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Ukrainian version of the Guide to the Basic Bank Account
Ukrainian version of the Guide to the Basic Bank Account
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Mr. Justice John Hedigan, IBCB Chair, chaired a panel at UCD Sutherland School of Law & Eversheds Sutherland at the launch of the book “New Accountability in Financial Services: Changing Individual Behaviour and Culture” by Joe McGrath and Ciaran Walker.
Mr. Justice John Hedigan, IBCB Chair, chaired a panel at UCD...
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Irish Banking Culture Board launches guide to Basic Bank Account supporting financial inclusion and access to banking
Irish Banking Culture Board launches guide to Basic Bank Account...
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The Irish Banking Culture Board publishes 2020 – 2021 Annual Report-Progress on banking culture being made but need to continue to learn lessons and focus on fair customer outcomes still critical.
The Irish Banking Culture Board publishes 2020 – 2021 Annual...
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Irish Banking Culture Board agree new Guiding Principles for Change
Irish Banking Culture Board agree new Guiding Principles for Change
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IBCB Guiding Principles for Change
IBCB Guiding Principles for Change
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Professional Diploma in Leading Cultural Change and Ethical Behaviour in Financial Services
Professional Diploma in Leading Cultural Change and Ethical Behaviour in...
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Deputy Chair of the Irish Banking Culture Board, Professor Blanaid Clarke, TCD has provided an updated chapter for the book Pandemic Crisis and Financial Stability
Deputy Chair of the Irish Banking Culture Board, Professor Blanaid...
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Strong accountability is key to sustainable culture and behavioural change.
Strong accountability is key to sustainable culture and behavioural change.
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IOB Regulatory Insight Sessions: The Irish Banking Culture Board 2021 surveys of Bank Culture and Public Trust in Banking- Interview with IBCB CEO Marion Kelly
IOB Regulatory Insight Sessions: The Irish Banking Culture Board 2021...
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Good progress made on internal bank culture though public trust levels remain low
Good progress made on internal bank culture though public trust...
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IBCB Position on Central Bank of Ireland Tracker Mortgage Investigations
IBCB Position on Central Bank of Ireland Tracker Mortgage Investigations
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The IBCB Bank Staff Survey, “Éist”, has launched at our five member banks.
The IBCB Bank Staff Survey, “Éist”, has launched at our...
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The Role of Banks in Social Finance
The Role of Banks in Social Finance
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Irish Banking Culture Board (IBCB) Launches First Annual Report
Irish Banking Culture Board (IBCB) Launches First Annual Report
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IBCB Financial Awareness for SMEs Webinar Series
IBCB Financial Awareness for SMEs Webinar Series
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Support for Mortgage Holders using Mortgage Payment Breaks
Support for Mortgage Holders using Mortgage Payment Breaks
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The voices of farmers must be heard in the banking industry
The voices of farmers must be heard in the banking...
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The Importance of Getting Your Financial Affairs in Order
The Importance of Getting Your Financial Affairs in Order
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Blanaid Clarke (Audit Committee Chair) authors chapter in book ‘Pandemic Crisis and Financial Stability’ - read excerpt
Blanaid Clarke (Audit Committee Chair) authors chapter in book ‘Pandemic...
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Listening to the views of Bank Staff
Listening to the views of Bank Staff
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More needed to ensure SMEs can survive
More needed to ensure SMEs can survive
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How the banks act now will determine how they are perceived in the future
How the banks act now will determine how they are...
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The Irish Banking Culture Board welcomes the additional supports offered by our member banks to support vulnerable and elderly customers.
The Irish Banking Culture Board welcomes the additional supports offered...
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Message from IBCB CEO Marion Kelly in relation to working arrangements and Covid-19
Message from IBCB CEO Marion Kelly in relation to working...
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Irish Banking Culture Board welcomes agreement from banks on COVID-19 measures
Irish Banking Culture Board welcomes agreement from banks on COVID-19...
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IBCB calls on customers experiencing difficulties to contact their bank to discuss their situation and ensure that they are fully informed of all terms before entering into any Covid-19 arrangements
IBCB calls on customers experiencing difficulties to contact their bank...
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Irish Banking Culture Board (IBCB) Appoints Chief Executive Officer
Irish Banking Culture Board (IBCB) Appoints Chief Executive Officer
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IBCB response to criticism of pace of ongoing CBI Tracker investigation
IBCB response to criticism of pace of ongoing CBI Tracker...
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The Institute of Banking’s round table discussion
The Institute of Banking’s round table discussion
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Irish banking culture board announces common commitment for assisting bereaved customers
Irish banking culture board announces common commitment for assisting bereaved...
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The common commitment of care for bereaved customers
The common commitment of care for bereaved customers
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Opening Statement of Mr. Justice John Hedigan, Chair of The Irish Banking Culture Board, at the Oireachtas Finance Committee
Opening Statement of Mr. Justice John Hedigan, Chair of The...
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Mr. Justice John Hedigan says Irish banking culture must change to regain public trust
Mr. Justice John Hedigan says Irish banking culture must change...
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Irish Banking Culture Board welcomes banks’ decisions to waive mortgage complaints timeline
Irish Banking Culture Board welcomes banks’ decisions to waive mortgage...
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IBCB Launch Event
IBCB Launch Event
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Mr. Justice John Hedigan, Chair of the IBCB, Speech – Launch Event
Mr. Justice John Hedigan, Chair of the IBCB, Speech –...
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Marion Kelly, CEO of the IBCB, Speech – Launch Event
Marion Kelly, CEO of the IBCB, Speech – Launch Event
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Mr. Justice John Hedigan to Chair Irish Banking Culture Board
Mr. Justice John Hedigan to Chair Irish Banking Culture Board
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Recent Publications

Éist 2024 Public Trust in Banking
Éist 2024 Public Trust in Banking
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2023-2024 Annual Report
2023-2024 Annual Report
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IBCB – IAF Conduct Standards Core Components (30.10.24)
IBCB – IAF Conduct Standards Core Components (30.10.24)
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IBCB - IAF Case Study 2 (30.10.24)
IBCB - IAF Case Study 2 (30.10.24)
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IBCB - IAF Case Study 1 (30.10.24)
IBCB - IAF Case Study 1 (30.10.24)
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How-to-Guides: Bank-Transfer
How-to-Guides: Bank-Transfer
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How-to-Guides: Lodgement
How-to-Guides: Lodgement
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How-to-Guides: Paying-a-bill
How-to-Guides: Paying-a-bill
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How-to-Guides: Standing-Order
How-to-Guides: Standing-Order
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2022-2023 Annual Report
2022-2023 Annual Report
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 2023 éist Staff Culture Survey 
 2023 éist Staff Culture Survey 
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2021-2022 Annual Report
2021-2022 Annual Report
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éist – IBCB 2022 Proud to work in Banking report
éist – IBCB 2022 Proud to work in Banking report
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2022 Public Trust in Banking Survey
2022 Public Trust in Banking Survey
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éist 2023 Public Trust in Banking report
éist 2023 Public Trust in Banking report
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IBCB Basic Bank Account Guide
IBCB Basic Bank Account Guide
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2020-2021 Annual Report
2020-2021 Annual Report
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IBCB éist 2021 Survey of bank culture
IBCB éist 2021 Survey of bank culture
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IBCB 2021 éist Public Trust in Banking Survey
IBCB 2021 éist Public Trust in Banking Survey
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2019-2020 Annual Report
2019-2020 Annual Report
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SME COVID-19 Financial supports
SME COVID-19 Financial supports
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Embrace - Farm Accident Support Network
Embrace - Farm Accident Support Network
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IBCB Public and Stakeholder Consultation Report 2019
IBCB Public and Stakeholder Consultation Report 2019
Read More >>
IBCB Employee Survey 2018
IBCB Employee Survey 2018
Read More >>

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Work Programme

Work Programme Menu:

Customer

Staff

Meet the Board

Read a little about our backgrounds, our philosophy, and what drives us to join the Irish Banking Culture Board.

board John Hedigan
Mr. Justice John Hedigan

Chairman of the Irish Banking Culture Board (IBCB), member of the Remuneration Committee

board-Marion-Kelly
Marion Kelly

CEO of Irish Banking Culture Board (IBCB)

Geraldine-Casey
Geraldine Casey

Managing Director, Retail Banking, AIB Bank

board-04
Professor Blanaid Clarke

BCL, MBS (Banking & Finance), BL, PhD, FTCD Deputy Chair of IBCB and Chair of Audit and Risk Committee

Eamonn-Crowley-380x380-3
Eamonn Crowley

Chief Executive Officer, PTSB, member of the Board Audit and Risk Committee

board-05
Padraic Kissane

Padraic Kissane Financial Services  

Board Member John O'Connell
John O'Connell

General Secretary, Financial Services Union

board-Sue-ONeill
Sue O’Neill

Former Chair of the Small Firms Association (SFA) and Managing Director of Shellcove (AMC), Chair of the Remuneration Committee

board-Martin-Stapleton
Martin Stapleton

Farmer, member of the Board Audit and Risk Committee

Oliver Wall
Oliver Wall

Group Chief of Staff, Bank of Ireland, member of the Remuneration Committee

michelle
Michelle O’Hara
Regional Manager (RM) for South Leinster Money Advice & Budgeting Service (MABS)
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Irish Banking Culture Board Publishes 2024 éist Report on Public Trust in Banking

Public trust in retail banking enters positive territory for first time since 2021, with strong increase in public trust among general population and significant increase among SMEs

Press Release | Publication

Annual Report 2022/2023

The Irish Banking Culture Board publishes its 2022 – 2023 annual report, read the Press Release.

Explore our Annual Report Microsite.