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AIB Group
AIB Group (A5G) investor relations material
AIB Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary4 Nov, 2025
Executive summary
Delivered strong Q3 performance with resilient lending book, supported by a robust Irish economy and a growing customer base of 3.4 million.
Upgraded net interest income (NII) guidance to over €3.7 billion for 2025, reflecting robust lending and deposit growth.
Strategic focus on customer first, greening the business, and operational efficiency continues.
Positive momentum expected to continue into 2026, supported by a strong pipeline and favorable domestic economic conditions.
Financial highlights
New lending grew 5% year-over-year to €10.5bn by September, with notable strength in personal lending, capital markets, and UK businesses.
Net interest income for nine months to September was €2.8bn, with Q3 NII at €0.93bn; NIM YTD was 2.75%.
Operating costs rose 4% year-over-year, mainly from investment and inflation; cost-income ratio at 44%.
Exceptional gain of €150m expected for 2025, mainly from the sale of merchant services.
Cost of risk for 2025 guided to the lower end of 20-30 basis points.
Outlook and guidance
NII for 2025 upgraded to greater than €3.7 billion, with strong deposit and lending growth expected to carry into 2026 and 2027.
Loan growth guidance set at 3% for 2025 and 5% CAGR for 2026 and 2027.
Costs expected to rise ~3% in 2025; cost guidance reiterated at less than €2 billion for 2026.
CET1 capital ratio target remains above 14% by 2027, with a buffer of at least 250bps.
ROTE expected to be >20% for 2025; medium-term ROTE target of 15%.
Capacity for additional capital distributions?
What drives NII stabilization despite rate cuts?
How does green lending support loan book growth?
How will the <EUR 2bn cost target be achieved?
What constrains capital distribution decisions?
Quantify housing plan's impact on lending.
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Next AIB Group earnings date
H2 20254 Mar, 2026
AIB Group
Next AIB Group earnings date
H2 20254 Mar, 2026
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Frequently asked questions
AIB Group plc is a financial services group primarily active in Ireland and the UK. The group offers a comprehensive suite of banking and financial services across personal, business, corporate, and private banking sectors. For personal customers, AIB provides loans, accounts, non-life insurance, investment products, cards, pensions, and savings and deposits. Business clients benefit from services including current accounts, savings and investments, corporate finance, business insurance, and other banking solutions. Corporate services encompass cash management and online banking, asset finance, invoice financing, corporate finance, merchant services, foreign exchange, and interest rate risk management services. Additionally, AIB offers private banking services such as demand deposits, digital banking, investment portfolio management, and retirement planning. The company is headquartered in Dublin, Ireland.
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