CET1 Ratio Comparison — 2024 vs 2025
Sources: AIB Group plc 2024-2025 Pillar 3 Disclosures · Bank of Ireland Group plc 2024-2025 Annual Results
Total Risk‑Weighted Assets (RWAs) — Basel IV Impact
Basel IV (CRR3) implementation in Jan 2025 reduced RWAs significantly for both banks.
Key Insights
📈 Capital Strength: Both banks strengthened CET1 ratios in 2025 despite significant shareholder distributions. AIB's CET1 rose 140bps to 16.51%; BoI's rose 50bps to 15.1%.
🏦 Basel IV Impact: RWAs fell sharply — AIB -13% to €54.2bn, BoI -6.5% to €51.7bn. The regulatory change provided ~110-120bps CET1 benefit.
📉 NIM Compression: ECB rate cuts flowed through to net interest margins. AIB's NIM fell 43bps to 2.73%; BoI's NIM data pending but similar pressure expected.
💪 Liquidity: Both banks maintain strong LCR (>190%) and NSFR (>155%), well above regulatory minima.