AIB Group Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	38,379	38,080	38,777	39,050	43,196	25,831
Investment Securities	21,476	22,676	21,462	19,360	18,524	19,541
Trading Asset Securities	2,727	2,280	2,470	2,519	890	1,504
Mortgage-Backed Securities	-	-	-	-	-	334
Total Investments	24,203	24,956	23,932	21,879	19,414	21,379
Gross Loans	71,923	71,693	67,459	61,676	58,929	59,898
Allowance for Loan Losses	-1,365	-1,344	-1,520	-1,618	-1,885	-2,510
Other Adjustments to Gross Loans	-	-151	-142	-121	-116	-114
Net Loans	70,558	70,198	65,797	59,937	56,928	57,274
Property, Plant & Equipment	494	516	558	536	631	725
Goodwill	-	128	128	120	120	70
Other Intangible Assets	947	806	797	820	876	867
Other Receivables	27	165	81	176	407	184
Restricted Cash	-	247	264	266	361	378
Other Current Assets	534	522	540	423	424	353
Long-Term Deferred Tax Assets	2,152	2,303	2,581	3,032	2,834	2,711
Other Long-Term Assets	7,028	3,345	2,894	3,513	2,684	613
Total Assets	144,322	141,266	136,349	129,752	127,875	110,385
Accrued Expenses	789	735	607	377	284	255
Interest Bearing Deposits	53,761	51,429	46,139	43,093	51,697	42,647
Non-Interest Bearing Deposits	58,757	58,454	58,643	59,266	41,169	39,310
Total Deposits	112,518	109,883	104,782	102,359	92,866	81,957
Short-Term Borrowings	3,468	2,930	2,499	3,902	1,134	1,623
Current Portion of Long-Term Debt	1,497	1,304	2,208	1,587	807	505
Current Portion of Leases	-	41	43	39	52	53
Current Income Taxes Payable	8	2	1	1	10	1
Other Current Liabilities	143	1,119	967	723	777	381
Long-Term Debt	9,597	9,128	9,446	7,512	16,959	10,778
Long-Term Leases	245	217	239	218	294	329
Pension & Post-Retirement Benefits	8	9	14	16	54	68
Long-Term Deferred Tax Liabilities	16	14	23	30	53	44
Other Long-Term Liabilities	1,698	457	451	727	925	970
Total Liabilities	129,987	125,839	121,280	117,491	114,215	96,964
Common Stock	1,335	1,455	1,637	1,671	1,696	1,696
Retained Earnings	14,489	15,676	15,618	14,004	13,523	12,923
Comprehensive Income & Other	-1,479	-1,695	-2,180	-3,411	-1,558	-1,199
Total Common Equity	14,345	15,436	15,075	12,264	13,661	13,420
Minority Interest	-10	-9	-6	-3	-1	1
Shareholders' Equity	14,335	15,427	15,069	12,261	13,660	13,421
Total Liabilities & Equity	144,322	141,266	136,349	129,752	127,875	110,385
Total Debt	14,807	13,620	14,435	13,258	19,246	13,288
Net Cash (Debt)	30,569	30,295	30,611	31,228	26,303	14,345
Net Cash Growth	4.64%	-1.03%	-1.98%	18.72%	83.36%	283.35%
Net Cash Per Share	13.21	12.32	11.61	11.62	9.69	5.28
Filing Date Shares Outstanding	2,137	2,328	2,619	2,673	2,714	2,714
Total Common Shares Outstanding	2,137	2,328	2,619	2,673	2,714	2,714
Book Value Per Share	6.71	6.63	5.76	4.59	5.03	4.94
Tangible Book Value	13,398	14,502	14,150	11,324	12,665	12,483
Tangible Book Value Per Share	6.27	6.23	5.40	4.24	4.67	4.60

Source: S&P Global Market Intelligence. Banks template. Financial Sources.