AIB Group Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	3,748	4,129	3,841	2,095	1,794
Net Interest Income Growth	-9.23%	7.50%	83.34%	16.78%	-4.17%
Non-Interest Income	763	799	881	818	582
Non-Interest Income Growth	-4.51%	-9.31%	7.70%	40.55%	16.17%
Revenues Before Loan Losses	4,511	4,928	4,722	2,913	2,376
Provision for Credit Losses	172	55	172	7	-
Revenue	4,339	4,873	4,550	2,906	2,376
Revenue Growth (YoY)	-10.96%	7.10%	56.57%	22.31%	160.24%
Selling, General & Admin	69	77	74	113	129
Other Non-Interest Expenses	222	224	221	228	198
Total Non-Interest Expense	3,937	4,089	3,989	3,785	3,685
Pretax Income	2,399	2,702	2,394	880	629
Provision for Income Taxes	-260	-351	-336	-115	16
Net Income	2,139	2,351	2,058	765	645
Minority Interest in Earnings	-2	-3	-3	-2	-2
Net Income to Common	2,141	2,354	2,061	767	647
Net Income Growth	-9.05%	14.22%	168.71%	18.55%	-
Shares Outstanding (Basic)	2,203	2,459	2,636	2,688	2,714
Shares Outstanding (Diluted)	2,203	2,459	2,636	2,688	2,714
Shares Change (YoY)	-10.43%	-6.70%	-1.95%	-0.96%	-
EPS (Basic)	0.93	0.93	0.76	0.26	0.21
EPS (Diluted)	0.93	0.93	0.76	0.26	0.21
EPS Growth	0.86%	22.19%	190.04%	21.96%	-
Free Cash Flow	8,544	3,400	-872	-4,479	13,913
Free Cash Flow Growth	151.29%	-	-	-	-15.09%
Free Cash Flow Per Share	3.88	1.38	-0.33	-1.67	5.13
Dividends Per Share	0.586	0.370	0.266	0.062	0.045
Dividend Growth	58.41%	39.20%	328.52%	37.78%	-
Profit Margin	49.30%	48.25%	45.23%	26.32%	27.15%
FCF Margin	196.91%	69.77%	-19.16%	-154.13%	585.56%
Effective Tax Rate	-10.84%	-12.99%	-14.04%	-13.07%	2.54%