Ireland · Delayed Price · Currency is EUR AIB Group Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw strong loan growth, stable deposit and fee trends, and robust capital, with guidance for the year reiterated. The business pipeline is healthy across segments, and the group remains vigilant amid evolving competition and external risks.
Fiscal Year 2025
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Profit after tax exceeded €2.1 billion with a 25% ROTE, strong capital generation, and a CET1 ratio of 16.2%. Guidance for 2026 includes NII of €3.8 billion, 5% loan growth, and continued digital and sustainability investments.
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Strong Q3 results led to upgraded 2025 NII guidance above €3.7B, with robust lending and deposit growth. Capital ratios remain ahead of consensus, supported by SRT transactions and warrant retirement, while cost and loan growth targets are reaffirmed for 2026.
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Profit after tax reached €927 million in H1 2025 with a ROTE of 21.4% and a CET1 ratio of 16.4%. New lending grew 9%, interim dividends resumed, and guidance for 2025 was upgraded, with strong capital and operational performance supporting a positive outlook.
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Q1 2025 results exceeded expectations, with strong lending growth, stable asset quality, and robust capital. Guidance for 2025 and 2026 is reiterated, with sensitivity to ECB rates, and capital allocation remains a focus amid a resilient Irish economy.
Fiscal Year 2024
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Profit after tax reached €2.4 billion with RoTE of 26.7% and a 109% payout ratio. Strong loan and deposit growth, robust capital, and digital transformation underpin positive guidance for 2025, with a focus on green lending and operational efficiency.
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Gross loans exceeded €70bn, with strong growth across all lending segments and robust credit quality. NII for 2024 is guided above €4bn, with stable margins and positive fee income trends. Capital and asset quality remain strong, supporting high payout potential.
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Profit after tax rose 30% to €1.1 billion, with upgraded 2024 NII guidance to €4 billion and strong capital metrics. Green lending and Climate Capital drove growth, while a €505 million distribution will further reduce State shareholding.