Full Year 2025 AIB Group PLC Earnings Call Transcript

Mar 04, 2026 / 09:00AM GMT

Release Date Price: $10.13 (+0.45%)

Transcript

Key Points

Positve

AIB Group PLC (AIBRF) delivered a profit after tax of over EUR2.1 billion, representing a return on tangible equity (ROTE) of 25%.
The company achieved a resilient net interest income (NII) of EUR3.75 billion, exceeding expectations.
AIB Group PLC returned to full private ownership in 2025, having returned approximately EUR21 billion to the Irish state.
The company made significant progress in sustainability, with 43% of new lending being green, and aims to reach a 70% target.
AIB Group PLC's digital transformation is advancing, with 88% of personal loans applied for digitally and a strong digital engagement with customers.

Negative

Total income for AIB Group PLC decreased by 8% in 2025, with net interest income down by 9%.
The company's mortgage market share fell to 30%, with a 4% decline in new mortgage lending.
AIB Group PLC's cost to income ratio stood at 44%, with costs slightly higher than expected.
The company faced challenges in the Climate & Infrastructure capital segment, with a high cost of risk of 110 basis points.
Despite strong capital generation, AIB Group PLC's CET1 ratio of 16.2% is above its medium-term target of greater than 14%, indicating potential inefficiencies in capital utilization.

Colin Hunt

AIB Group PLC - Chief Executive Officer, Executive Director

Good morning and welcome to the presentation of AIB Group's results for 2025; a landmark year for our company.

I'm going to spend some time outlining the macroeconomic backdrop and giving an overview of the progress on our '23 to '26 strategy before handing over to Donal, our CFO, who will bring us through the details of our financial performance.

2025 was another year of successful delivery by AIB Group against our strategic objectives, priorities, and targets. We're pleased to be delivering a profit after tax of over EUR2.1 billion, representing a ROTE of 25%. In a looser monetary policy environment, our NII remained resilient, coming in ahead of expectations at EUR3.75 billion.

The strength of our financial performance and the scale of organic capital generation allowed us to grow our business, to invest in our business, and to propose total distributions of EUR2.25 billion a payout ratio of 105%, while still delivering an exceptionally strong capital outturn with CET1 ending the year at 16.2%. And 2025

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