AIBG - Ticker AI Digest

AIBG 06:02

AIB Group PLC

AIB Group plc €1.0bn Share Buyback Programme

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AIBG 06:01

AIB Group PLC

Annual Financial Results 2025

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**Summary of AIB Group PLC 2025 Annual Financial Report**

AIB Group PLC reported strong financial results for 2025, with a profit after tax of **€2.1 billion** and total distributions of **€2.25 billion**. Key highlights include

### **Financial Performance**

**Profit After Tax**€2.1 billion, with a **25% return on tangible equity (RoTE)**.

**Customer Deposits**Increased by **7%** to €117.2 billion.

**Gross Loans**Reached €72.3 billion, with **new lending** of €14.7 billion (43% of which was green).

**Total Distributions**€2.25 billion, including a **60% increase** in the full-year cash dividend and a **€1 billion share buyback**.

**CET1 Ratio**16.2%, well <mark style="background-color:yellow">above</mark> regulatory requirements.

### **Strategic Highlights**

1. **Customer First**Improved Net Promoter Scores (NPS) across key customer journeys, with the AI-powered digital assistant **Abi** handling 5,208 calls per day.

2. **Greening the Business**Deployed **€22.9 billion** (76% of the €30 billion Climate Action target) since 2019, with **€6.3 billion** in green and transition lending in 2025.

3. **Operational Efficiency**Reduced legal entities by **40%**, decommissioned **12 legacy applications**, and achieved **>99.99% IT service availability**.

### **Key Metrics**

**Net Interest Income (NII)**€3.748 billion, down **9%** due to lower interest rates.

**Operating Costs**Increased **1%** to €1.992 billion, with a cost-income ratio (CIR) of **44%**.

**Credit Impairment Charge**€172 million, representing a **24bps cost of risk**.

**Non-Performing Exposures (NPEs)**Reduced by **20%** to €1.6 billion (2.2% of gross loans).

### **Sustainability**

Supported **9,000 first-time homebuyers** in 2025, progressing towards the **€6 billion target** by 2026.

**42% of management roles** held by women, maintaining gender balance.

### **Outlook for 2026**

**NII**Expected to be **c. €3.8 billion**.

**Customer Loans**Expected to grow by **c. 5%**.

**Customer Deposits**Expected to grow by **2-3%**.

**RoTE**Expected to be **> 20%**.

### **Medium-Term Targets (2024-2026)**

**RoTE**15%.

**CET1 Ratio**> 14% with a buffer of at least **250bps** over MDA.

**Absolute Costs**< €2 billion with a CIR of < 50%.

AIB remains focused on executing its strategy, supported by a resilient Irish economy and accelerating technological change, while delivering sustainable returns to shareholders.

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AIBG 06:02

AIB Group PLC

AIB Group plc €1.0bn Share Buyback Programme

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AIBG 06:01

AIB Group PLC

Annual Financial Results 2025

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Return to today’s catalyst cards, chart beacons and AI charts.

**Summary of AIB Group PLC 2025 Annual Financial Report**

AIB Group PLC reported strong financial results for 2025, with a profit after tax of **€2.1 billion** and total distributions of **€2.25 billion**. Key highlights include

### **Financial Performance**

**Profit After Tax**€2.1 billion, with a **25% return on tangible equity (RoTE)**.

**Customer Deposits**Increased by **7%** to €117.2 billion.

**Gross Loans**Reached €72.3 billion, with **new lending** of €14.7 billion (43% of which was green).

**Total Distributions**€2.25 billion, including a **60% increase** in the full-year cash dividend and a **€1 billion share buyback**.

**CET1 Ratio**16.2%, well <mark style="background-color:yellow">above</mark> regulatory requirements.

### **Strategic Highlights**

1. **Customer First**Improved Net Promoter Scores (NPS) across key customer journeys, with the AI-powered digital assistant **Abi** handling 5,208 calls per day.

2. **Greening the Business**Deployed **€22.9 billion** (76% of the €30 billion Climate Action target) since 2019, with **€6.3 billion** in green and transition lending in 2025.

3. **Operational Efficiency**Reduced legal entities by **40%**, decommissioned **12 legacy applications**, and achieved **>99.99% IT service availability**.

### **Key Metrics**

**Net Interest Income (NII)**€3.748 billion, down **9%** due to lower interest rates.

**Operating Costs**Increased **1%** to €1.992 billion, with a cost-income ratio (CIR) of **44%**.

**Credit Impairment Charge**€172 million, representing a **24bps cost of risk**.

**Non-Performing Exposures (NPEs)**Reduced by **20%** to €1.6 billion (2.2% of gross loans).

### **Sustainability**

Supported **9,000 first-time homebuyers** in 2025, progressing towards the **€6 billion target** by 2026.

**42% of management roles** held by women, maintaining gender balance.

### **Outlook for 2026**

**NII**Expected to be **c. €3.8 billion**.

**Customer Loans**Expected to grow by **c. 5%**.

**Customer Deposits**Expected to grow by **2-3%**.

**RoTE**Expected to be **> 20%**.

### **Medium-Term Targets (2024-2026)**

**RoTE**15%.

**CET1 Ratio**> 14% with a buffer of at least **250bps** over MDA.

**Absolute Costs**< €2 billion with a CIR of < 50%.

AIB remains focused on executing its strategy, supported by a resilient Irish economy and accelerating technological change, while delivering sustainable returns to shareholders.

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