Executive Overview
AIB Group · Consolidated · FY 2025 · Released 4 March 2026
Base Case
Total Assets
€148.2bn
FY24: €128.4bn ↑+15.5%
Net Loans
€70.7bn
+€1.5bn reported YoY (underlying +€2.4bn excl. FX) (underlying +€2.4bn)
Customer Deposits
€117.2bn
+€7.4bn YoY
CET1 Ratio
16.2%
Req. ~11.0% · Headroom +520bps
LCR
204%
Min 100% · Buffer: €22.8bn HQLA
ROTE
25.0%
Target >20% 2026F ✓ — exceeded
Balance Sheet Composition — Assets vs Liabilities (€bn)
Assets €148.2bn
Loans
Sec.
Cash
Deriv.
Other
Liabilities & Equity €148.2bn
Deposits
Wholesale
Sub Debt
Deriv.
Equity
Loan-to-Deposit Ratio61.0%
NIM2.73%
Cost of Risk24bps
NPE Ratio2.2%
Capital & Liquidity RAG
Capital (ICAAP)
CET1 16.2%Min 11.36%
T1 Ratio 17.6%Min 12.86%
Total Capital 20.1%Min 14.86%
Leverage Ratio 7.4%Min 3.0%
Liquidity (ILAAP)
LCR 204%Min 100% (scale: 250%)
NSFR 163%Min 100%
Survival Horizon11+ months
ROTE Forecast (%) — Base vs Stress vs Upside
■ Base
■ Stress
■ Upside
Key Alerts
✓ Capital Position
CET1 520bps above MDA trigger. Stress buffer comfortable even in severe scenario (CET1 ~13.2%).
⚠ Rate Sensitivity
NII sensitive to ECB rate path. -100bps shock = -€378M NII (pro-forma -€286M post additional €10bn hedge). Q4 2025 exit NIM 2.69%. 2026 NII guidance ~€3.8bn.
✓ Liquidity Headroom
HQLA €22.8bn. LCR 204% — well above minimum. Deposit franchise very strong, LDR 61%. NSFR 163%.
⚠ NPE Trajectory
NPE reduced 20% to €1.6bn / 2.2% (Dec24: 2.8%). CRE and SME remain watch areas. Cost of risk 24bps (exact: €172m charge), guidance 20-30bps for 2026.
NII
€3.75bn
-9% YoY — rate headwinds; guided c.€3.8bn in 2026
PAT
€2.14bn
Returned to full private ownership · 105% payout
Cost / Income
44.2%
FY24: 43.8% · target: <€2.0bn costs ✓
EPS
€0.933
+0.8c YoY (93.3c vs 92.5c)
DPS (total)
€0.586
+€1bn buyback commenced 4 Mar 2026 · 105% payout ratio
TNAV / Share
€4.62
+€0.58 YoY
Balance Sheet
FY 2025 · IFRS · Consolidated · €bn
Assets
| Line Item | FY25 Base | Scenario | FY24 |
|---|---|---|---|
| Cash & Central Bank Balances | |||
| Cash & demand deposits | 3.8 | 3.8 | 3.8 |
| Central bank & short-term placements | 44.7 | 44.7 | 41.4 |
| Total Cash & CB | 48.5 | 48.5 | 45.2 |
| Financial Assets | |||
| Loans to banks (amort. cost) | 3.0 | 3.0 | 3.2 |
| Loans to customers (net) | 71.2 | 71.2 | 69.9 |
| Investment securities — FVOCI | 17.6 | 17.6 | 15.4 |
| Investment securities — FVTPL | 2.5 | 2.5 | 2.5 |
| Investment securities — Amort. Cost | 1.4 | 1.4 | 0.8 |
| Derivative financial instruments | 5.0 | 5.0 | 8.6 |
| Other Assets | |||
| Goodwill & intangibles | 0.8 | 0.8 | 0.8 |
| Property, plant & equipment | 1.1 | 1.1 | 1.2 |
| Deferred tax assets | 0.9 | 0.9 | 1.1 |
| Other assets | 7.0 | 7.0 | 7.5 |
| Total Assets | 148.2 | 148.2 | 128.4 |
Liabilities & Equity
| Line Item | FY25 Base | Scenario | FY24 |
|---|---|---|---|
| Deposits | |||
| Deposits by banks | 0.2 | 0.2 | 0.8 |
| Customer deposits — current/demand | 62.4 | 62.4 | 58.6 |
| Customer deposits — term/notice | 54.8 | 54.8 | 51.2 |
| Total Deposits | 120.0 | 120.0 | 112.6 |
| Wholesale & Market Funding | |||
| Covered bonds issued | 3.8 | 3.8 | 3.6 |
| Senior unsecured / SNP green bonds | 3.8 | 3.8 | 4.2 |
| TLTRO / Central bank funding | 0.0 | 0.0 | 0.0 |
| Other wholesale / repo | 0.6 | 0.6 | 1.0 |
| Capital Instruments | |||
| Tier 2 subordinated debt (incl. €1bn green T2) | 2.6 | 2.6 | 1.7 |
| AT1 instruments (incl. €700m new AT1) | 1.6 | 1.6 | 0.9 |
| Other Liabilities | |||
| Derivative financial instruments | 4.5 | 4.5 | 8.0 |
| Other liabilities & provisions | 7.5 | 7.5 | 6.4 |
| Equity | |||
| Share capital & premium | 2.8 | 2.8 | 3.4 |
| Retained earnings & reserves | 11.4 | 11.4 | 8.2 |
| FVOCI reserve (OCI) | 0.5 | 0.5 | -0.6 |
| Total Liabilities & Equity | 148.2 | 148.2 | 128.4 |
Loan Book Composition (Gross €72.3bn / Net ~€70.7bn)
| Segment | €bn | % | NPE% | Coverage | Stage |
|---|---|---|---|---|---|
| Mortgages (RoI) | 27.2 | 39.6% | 1.4% | 28% | S1 93% |
| Mortgages (UK) | 9.4 | 14.4% | 1.2% | 24% | S1 95% |
| SME | 9.2 | 14.1% | 3.8% | 58% | S2 12% |
| Commercial Real Estate | 7.6 | 11.7% | 3.1% | 52% | S2 14% |
| Corporate | 6.8 | 10.4% | 2.1% | 45% | S1 88% |
| Consumer / Personal | 4.2 | 6.5% | 2.6% | 62% | S1 91% |
| Project Finance | 2.2 | 3.4% | 0.8% | 30% | S1 96% |
| Net Loans | 70.7 | 100% | 2.2% | 42% |
Funding Structure
| Funding Source | €bn | % | Cost | Maturity |
|---|---|---|---|---|
| Current / Demand Deposits | 62.4 | 42.1% | 0.18% | O/N |
| Term / Notice Deposits | 54.8 | 37.0% | 1.84% | <1yr |
| Bank Deposits | 2.8 | 1.9% | 3.60% | Short |
| Covered Bonds | 3.4 | 2.3% | 3.20% | 4.2yr |
| Senior Unsecured / SNP | 3.8 | 2.6% | 4.45% | 3.8yr |
| AT1 | 1.6 | 1.1% | 6.25% | Perp. |
| Tier 2 | 2.6 | 1.8% | 5.30% | 8.2yr |
| Equity | 14.7 | 9.9% | — | Perp. |
| Other liabilities | 6.0 | 5.1% | — | — |
| Total | 148.2 | 100% | 1.42% | — |
ICAAP — Internal Capital Adequacy Assessment
Pillar 1 · Pillar 2 · Stress Testing · Capital Planning
CET1 Ratio
16.2%
+520bps above MDA trigger
Headroom: €2.7bn
Tier 1 Capital Ratio
17.6%
+474bps above req. ~12.86%
Total Capital Ratio
20.1%
+515bps above req. ~14.86%
Leverage Ratio
7.4%
+440bps above min 3.0%
Capital Stack — Regulatory Requirements vs Actuals
SREP Capital Requirements — Pillar 2
| Requirement Component | Requirement | Source |
|---|---|---|
| Pillar 1 — Minimum CET1 | 4.50% | CRR |
| Capital Conservation Buffer (CCB) | 2.50% | CRD |
| O-SII Buffer (Systemic) | 1.50% | CBI |
| Pillar 2 Requirement (P2R) — CET1 | 1.75% | SREP |
| Countercyclical Buffer (CCyB) | 0.75% | CBI |
| Total CET1 Requirement (TSCR+CBR) | 11.36% | |
| Pillar 2 Guidance (P2G) | ~1.5–2.0% | ECB |
| MDA Trigger (TSCR+CBR+P2G) | ~12.8–13.4% | |
| AIB CET1 Actual | 16.2% | Actual |
| CET1 Headroom above MDA | ~300–360bps |
RWA Composition (Total €102.4bn)
Credit Risk RWA€79.1bn (77%)
Market Risk RWA€4.4bn (4.3%)
Operational Risk RWA€13.2bn (12.9%)
CVA / Other RWA€5.7bn (5.8%)
RWA Density (RWA/TA)37.4%
CET1 Capital (€bn)€9.0bn
ICAAP Stress — CET1 Walk (Base → Severe)
| Driver | Base | Adverse | Severe |
|---|---|---|---|
| CET1 Start | 16.2% | 16.2% | 16.2% |
| Credit Impairment Impact | -0.3% | -1.2% | -2.4% |
| NII / Revenue Impact | +0.4% | -0.6% | -1.1% |
| RWA Inflation (procyclical) | -0.2% | -0.8% | -1.4% |
| Market Risk / FVOCI | 0.0% | -0.3% | -0.8% |
| Operational Risk | 0.0% | -0.1% | -0.5% |
| CET1 End (3-yr stress) | 16.3% | 14.4% | 11.4% |
| vs. Min Requirement | +494bps | +304bps | +40bps (v improved) |
Capital Adequacy — Sensitivity
⚠ Severe Stress Breach
In the severe 3yr scenario CET1 falls to 10.2% — below the TSCR+CBR of 11.36%. Management buffer actions (dividend suspension, RWA reduction) would need to be triggered.
| Sensitivity | CET1 Δ |
|---|---|
| +1% NPE ratio | -42bps |
| +100bps ECB rate (NII+, OCI-) | +18bps |
| -100bps ECB rate | -42bps |
| +10% RWA inflation | -149bps |
| -15% property values | -38bps |
| €500M buyback | -54bps |
| €1bn organic capital generation | +107bps |
ILAAP — Internal Liquidity Adequacy Assessment
LCR · NSFR · HQLA · Survival Horizon · Concentration
LCR (Liquidity Coverage)
204%
Min: 100% | Surplus: €14.2bn HQLA
NSFR (Net Stable Funding)
163%
Min: 100% | Surplus: €18.6bn ASF
HQLA (Total)
€22.8bn
L1: €19.2bn | L2A: €2.4bn | L2B: €1.2bn
Survival Horizon
11+ mths
Combined stress scenario (ECB)
HQLA Composition & LCR Bridge
HQLA Breakdown
Level 1 — Sovereign/CB bonds€19.2bn
Level 2A — Agency / Covered bonds€2.4bn
Level 2B — Corp bonds / Equities€1.2bn
LCR Bridge (30-Day Stress)
Total HQLA€22.8bn
Net Outflows (stressed 30d)-€11.2bn
LCR Numerator/Denominator204%
Outflow Assumptions (30d):
Retail deposit runoff (5%)-€5.9bn
Wholesale unsecured (25%)-€2.4bn
Committed facilities-€1.8bn
Collateral calls-€1.2bn
Inflows (capped 75%)+€0.7bn
Liquidity Stress Scenarios
| Scenario | Survival | LCR Impact |
|---|---|---|
| Idiosyncratic (bank-specific) | 11 mths | -48pp |
| Market-wide stress | 10 mths | -42pp |
| Combined (idio + market) | 9 mths | -78pp |
| Severe deposit run (20%) | 6 mths | -89pp |
| Deposit scenario (slider: 0%) | 9+ mths | 0pp |
Concentration & Encumbrance
Asset Encumbrance Ratio18.4%
Top 20 Depositor Conc.14.2%
Wholesale Funding Reliance7.6%
FX Liquidity Buffer (non-EUR)£1.8bn GBP
NSFR — Available vs Required Stable Funding
| ASF Category | €bn | ASF Factor | Weighted |
|---|---|---|---|
| Equity & Tier 2 (>1yr) | 14.2 | 100% | 12.6 |
| Stable retail deposits | 58.4 | 95% | 55.5 |
| Less stable retail deposits | 58.8 | 90% | 52.9 |
| Wholesale deposits >6m | 3.2 | 50% | 1.6 |
| Covered bonds >1yr | 4.1 | 100% | 4.1 |
| Total ASF | — | — | 136.8 |
| Total RSF (Required) | — | — | 83.9 |
| NSFR | — | — | 163% |
Funding Maturity Profile — Wholesale (€bn)
Maturing <1yr€4.8bn
Maturing 1–3yr€3.2bn
Maturing >3yr€5.8bn
Avg. Maturity (wholesale)3.6 years
P&L · NII · ROTE Forecast
Income Statement · Drivers · 3-Year Forecast
Net Interest Income
€3,748M
-9% YoY — lower ECB rates
Non-Interest Income
€756M
+4.2% YoY
Operating Expenses
€1,992M
CIR: 44.2%
Impairment Charge
€172M
CoR: 24bps
PAT
€2,139M
-9.0% YoY (2024: €2,351m)
Income Statement (€M)
| Line Item | FY25 | Scenario | FY24 | FY23 |
|---|---|---|---|---|
| Net Interest Income | 3,748 | 3,748 | 4,129 | 2,526 |
| Fee & Commission Income | 692 | 692 | 666 | 372 |
| Other non-fee income (incl. exceptional €156m) | 64 | 64 | 113 | 222 |
| Total Operating Income | 4,504 | 4,504 | 4,889 | 3,120 |
| Staff Costs | -966 | -966 | -980 | -822 |
| General & Admin / Other Opex | -735 | -735 | -690 | -624 |
| Operating Expenses | -1,992 | -1,992 | -1,971 | -1,380 |
| Op. Profit pre-Impairment | 2,398 | 2,398 | 2,799 | 1,740 |
| Impairment Charge (ECL) | -172 | -172 | -55 | -128 |
| Bank levies & regulatory fees | -114 | -114 | -138 | -42 |
| PBT | 2,399 | 2,399 | 2,702 | 1,574 |
| Tax | -260 | -260 | -351 | -40 |
| Profit After Tax | 2,139 | 2,139 | 2,351 | 1,536 |
ROTE Forecast — 3 Year (Base · Stress · Upside)
FY2026F Base
20.2%
FY2027F Base
19.0%
FY2028F Base
17.0%
| ROTE Driver | FY25A | FY26F Base | FY26F Stress | FY26F Upside |
|---|---|---|---|---|
| NII (€M) | 3,748 | 3,800 | 3,380 | 4,050 |
| Non-Interest (€M) | 748 | 720 | 660 | 780 |
| Opex (€M) | -1,990 | -2,030 | -2,030 | -2,010 |
| CIR (%) | 44.2% | 43.8% | 47.2% | 41.0% |
| Impairments (€M) | -172 | -175 | -450 | -120 |
| CoR (bps) | 24 | 25 | 60 | 16 |
| PAT (€M) | 2,139 | 2,050 | 1,380 | 2,520 |
| Avg. TE (€bn) | 8.4 | 9.6 | 9.6 | 9.6 |
| ROTE | 25.0% | 20.2 | 14.8% | 25.8% |
NIM Sensitivity to Rate Moves
-200bps
2.14%
-100bps
2.44%
Base
2.73%
+100bps
3.01%
Scenario Analysis Engine
Dynamic impact modeling — adjust controls above
Scenario NII Impact
€0M
vs. base €3,748M
Scenario CET1 Impact
0bps
CET1: 16.2%
Scenario ROTE Impact
0pp
ROTE: 25.0%
Scenario LCR Impact
0pp
LCR: 204%
Scenario Comparison Matrix
| Metric | Base | Adverse | Severe | Upside |
|---|---|---|---|---|
| ECB Rate Assumption | 2.65% | 1.50% | 0.50% | 3.00% |
| GDP Growth (RoI) | 4.0% | -1.0% | -3.5% | 5.5% |
| Property Price Δ | +3% | -12% | -28% | +8% |
| Unemployment (peak) | 4.4% | 7.8% | 11.2% | 3.8% |
| NII (€M) | 3,748 | 3,200 | 2,600 | 4,020 |
| CoR (bps) | 24 | 60 | 130 | 12 |
| Impairment Charge (€M) | -172 | -395 | -858 | -82 |
| PAT (€M) | 2,139 | 1,320 | 580 | 2,680 |
| ROTE (%) | 25.0% | 13.8% | 6.1% | 27.9% |
| CET1 (end, 3yr) | 16.2% | 14.8% | 11.6% | 18.2% |
| LCR | 204% | 162% | 122% | 228% |
| NPE Ratio | 2.2% | 4.8% | 7.8% | 1.6% |
Interest Rate Shock — NII & EVE Impact
| Rate Shock | NII Δ (€M) | NII Δ (%) | EVE Δ (€M) | CET1 Δ |
|---|---|---|---|---|
| -200bps parallel | -€756M | -20.2% | +€380M | +29bps |
| -100bps parallel | -€378M | -10.1% | +€190M | +14bps |
| +100bps parallel | +€312M | +8.3% | -€220M | -17bps |
| +200bps parallel | +€580M | +15.5% | -€460M | -35bps |
| +300bps parallel | +€780M | +20.8% | -€720M | -55bps |
| Steepener (+200 long) | +€180M | +6.3% | -€240M | -18bps |
| Flattener (-100 short) | -€92M | -3.2% | +€90M | +7bps |
| Current Slider | €0M | 0.0% | €0M | 0bps |
Credit Stress — Impairment Sensitivity
| Segment | CoR Base | Δ per +100bps | Current Stress |
|---|---|---|---|
| Mortgages | 7bps | +€52M | €0M |
| SME | 42bps | +€39M | €0M |
| CRE | 35bps | +€30M | €0M |
| Corporate | 18bps | +€29M | €0M |
| Total Additional Impairments | — | — | €0M |
Risk Dashboard
CRO View · Credit · Market · Operational · Concentration
NPE Ratio
2.2%
Dec24: 2.8% ↓ NPEs -20% to €1.6bn
NPE Coverage
42%
ECB avg: 43%
Cost of Risk
24bps
2026 guidance: 20-30bps (within range)
Forborne Exposure
1.4%
of total loan book
Credit Quality — Stage Migration (€bn)
| IFRS9 Stage | FY25 | FY24 | ECL Rate | Provision €M |
|---|---|---|---|---|
| ■ Stage 1 (12M ECL) | €61.8bn | €58.8bn | 0.09% | €56M |
| ■ Stage 2 (SICR) | €7.1bn | €8.2bn | 3.68% | €261M |
| ■ Stage 3 (Credit Impaired) | €1.59bn | €1.82bn | 51.6% | €820M |
| POCI Assets | €0.31bn | €0.38bn | — | €38M |
| Total | €70.8bn | €69.2bn | 1.62% | €1,175M |
Stage 2 Triggers (Monitoring)
30+ DPD€1.2bn
Watchlist / EWS flagged€2.4bn
Forbearance€0.8bn
Backstop (>30 days O/D 12m+)€3.1bn
Sector Concentration (% RWA)
Residential Mortgages34.2%
SME14.8%
Commercial Real Estate12.2%
Corporate11.4%
Consumer6.8%
Sovereign / Public Sector8.4%
Geographic Split
Republic of Ireland72.4%
United Kingdom18.6%
Europe / Other9.0%
Market & Operational Risk
Interest Rate Risk (Banking Book)
EVE Sensitivity (ΔEQ +200bps)-€460M
NII Sensitivity (+200bps, 1yr)+€580M
Repricing gap (1yr bucket)+€18.2bn
Fixed rate portfolio (% loans)62%
Duration of Equity3.8 yrs
Operational Risk
Op Risk RWA€13.2bn
Op Risk Capital (SMA)€1.2bn
Conduct Provisions€142M
Cyber Risk RatingModerate
Climate Risk
Carbon-intensive loan exposure€8.4bn
TCFD alignmentPartial
Physical risk (mortgage book)Moderate
Full Regulatory Metric Summary — RAG Status
Capital
CET1 Ratio16.2%
T1 Ratio17.6%
Total Capital20.1%
Leverage Ratio7.4%
MREL (% TREA)35.2%
Liquidity
LCR204%
NSFR163%
LDR61.0%
Survival Horizon11+ months
Encumbrance16.2%
Profitability
ROTE25.0%
NIM2.73%
CIR44.2%
ROE22.8%
ROA1.51%
Credit Quality
NPE Ratio2.2%
NPE Coverage44%
CoR21bps
Stage 2 %10.0%
CRE NPE3.1%
Customer Analytics
Balance Sheet · Demographics · Product Depth · Engagement · Dec 2025 · 3.4M Customers
FILTER:
Active Customers
3.18M
+4.2% YoY
Avg Balance / Customer
€36,800
Deposits + Loans
Revenue / Customer
€1,324
NIM + fees p.a.
Digital Adoption
72%
Mobile active
Avg Products / Customer
2.4
Target: 3.0
Main Bank Share
40%
Personal current a/c
Customer Age Distribution & Avg Balance (€k)
18–25 (Digital Natives)424k · Avg bal €4.2k
26–35 (Early Career)612k · Avg bal €12.8k
36–45 (Peak Earner)578k · Avg bal €42.4k
46–55 (Wealth Accum.)524k · Avg bal €68.6k
56–65 (Pre-Retirement)486k · Avg bal €94.2k
65+ (Retirement)554k · Avg bal €76.4k
Product Holdings & Penetration Rates
Current Account100%
Savings / Deposit68%
Credit Card34%
Mortgage22%
Personal Loan / Car Finance18%
Business Account (SME)14%
Wealth / Investment (Goodbody / AIB life)8%
Insurance (AIB life)6%
Cross-sell opportunity (≤1 product)28% of base
3+ product customers (sticky)38% of base
Mobile App Engagement Depth
Daily Active (DAU)890k · 28%
Weekly Active1.84M · 58%
Monthly Active (MAU)2.30M · 72%
Login ≥3×/week1.12M · 35%
Top App Actions (monthly)
Balance / statement view94.2M
Payments (SEPA / Instant)48.6M
Savings / term deposit12.4M
Loan / mortgage enquiry8.2M
Abi AI assistant5.2M
Avg sessions / active user / mo41
Avg session duration2m 14s
App NPS+62
Competitor Leakage Analysis
AIB customers with competing product elsewhere
Savings with neobank (Revolut / N26)24%
Investment with competitor18%
Mortgage with BOI / competitor12%
Business a/c with Revolut Business11%
Insurance with third party42%
Net Customer Flows (12M)
New-to-bank+186k
Lapsed / churned-42k
Net acquisition+144k
Churn rate1.3%
Neobank dual-bankers31% of base
🌐 FDI-Employed Customer Segment
~18% of personal base · Premium segment · est. 572k customers
Avg annual salary€72,400
Avg deposit balance€28,400
Avg mortgage balance€248,000
Revenue per customer€2,840 (+114% vs avg)
FDI segment total deposits~€16.2bn
FDI segment total mortgages~€14.2bn
Wealth product penetration11% (opportunity)
FDI Sector Mix
Technology / Software44%
Pharma / MedTech22%
Financial Services18%
Professional Services10%
Other FDI6%
Balance Sheet Overlay by Segment
Personal
SME
Corporate
Wealth
C&IC / CapMkts
Deposits
€117.2bn
Personal €60.9bn
SME €25.8bn
Corp €16.4bn
Wealth €14.1bn
Gross Loans
€72.3bn
Personal €41.9bn
SME €17.4bn
C&IC €6.3bn
CapMkts €6.7bn
Revenue (NII + Fees)
€4,504m
Retail €1,892m
SME €1,171m
CapMkts €811m
C&IC €630m
NIM — Personal2.18%
NIM — SME3.42%
NIM — Corporate2.84%
Cost to serve — Personal avg€284 / yr
Profitability per Customer Segment — FY2025
| Segment | Customers | Avg Deposits | Avg Loans | Avg Products | Revenue/Cust | Cost/Cust | Profit/Cust | NIM | Digital% | Churn |
|---|---|---|---|---|---|---|---|---|---|---|
| Personal 18–35 | 1,036k | €8,400 | €12,200 | 1.8 | €620 | €312 | €308 | 2.02% | 91% | High |
| Personal 36–55 | 1,102k | €52,400 | €84,600 | 2.9 | €1,840 | €298 | €1,542 | 2.28% | 74% | Low |
| Personal 55+ | 1,040k | €84,200 | €28,400 | 2.2 | €1,420 | €324 | €1,096 | 1.84% | 48% | Low |
| Wealth / Goodbody | 142k | €186,000 | €124,000 | 4.2 | €6,240 | €480 | €5,760 | 2.44% | 62% | Very Low |
| SME (<€1M) | 284k | €48,200 | €62,400 | 3.4 | €4,120 | €840 | €3,280 | 3.42% | 67% | Med |
| Corporate / FDI | 8,400 | €1.94M | €2.84M | 5.8 | €84,200 | €12,400 | €71,800 | 2.84% | 88% | Med |
| Total / Wtd Avg | 3.18M | €36,800 | €22,400 | 2.4 | €1,324 | €342 | €982 | 2.73% | 72% | — |
Net Promoter Scores (2025)
Personal Banking+41
Home / Mortgage+66
Digital Channel+62
SME Aggregated+69
NI Transactional+55
Customer Growth
New-to-bank (12M)+186k
FTB mortgage customers~9,000
AIB life policyholders56,000
Goodbody clients~14,000
Churn rate1.3%
AUM & Wealth
Total AUM€18.3bn
Goodbody AUM€15.3bn
AIB life AUM€3.0bn
AUM YoY growth+9%
Wealth penetration8% (opportunity)
Digital Channels
App interactions/day3.14M
Online loan applications88%
SEPA Instant (2025)17.2M
Abi calls/day5,208
Abi journeys live66