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Reported Q: Q4 2025 Rev YoY: +138.5% EPS YoY: +120.0% Move: -0.41%

AIB Group plc

A5G.IR

€8.57 -0.41%

Exchange DUB Sector Financial Services Industry Banks Regional

Q4 2025

Published: Dec 31, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for A5G.IR

Reported

Report Date

Dec 31, 2025

Quarter Q4 2025

Revenue

2.92B

YoY: +138.5%

EPS

0.55

YoY: +120.0%

Market Move

-0.41%

Previous quarter: Q2 2025

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Earnings Highlights

Revenue of $2.92B up 138.5% year-over-year
EPS of $0.55 increased by 120% from previous year
Gross margin of 77.7%
Net income of 1.21B
"Colin Hunt: "2025 was a landmark year... delivering a profit after tax of over EUR 2.1 billion, representing a RoTE of 25%."" - Colin Hunt

A5G.IR

Company A5G.IR

Period Q4 2025

Currency EUR

Report Type Quarterly Earnings

Generated Mar 28, 2026

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Executive Summary

AIB Group delivered a solid full-year 2025 with a reported profit after tax of approximately EUR 2.1 billion and a RoTE of 25%, underscoring resilient earnings in a period of monetary policy normalization. Net interest income (NII) held up well at about EUR 3.75 billion, aided by a robust balance sheet and a proactive liability strategy. The bank also announced EUR 2.25 billion of total distributions (dividends and buybacks) and reported a CET1 ratio of 16.2%, reflecting strong organic capital generation (370 basis points in 2025) and disciplined capital management, including the cancellation of warrants and an on-market buyback. AIB completed a return to full private ownership and reinforced its ESG credentials through record green lending activity and leadership in ESG bond issuance.

Key Performance Indicators

Revenue

Increasing

2.92B

QoQ: 36.10% | YoY: 138.53%

Gross Profit

Increasing

2.27B

77.72% margin

QoQ: 5.78% | YoY: 85.39%

Operating Income

Increasing

1.23B

QoQ: 4.87% | YoY: 60.21%

Net Income

Increasing

1.21B

QoQ: 30.71% | YoY: 95.02%

EPS

Increasing

0.55

QoQ: 37.50% | YoY: 120.00%

Revenue Trend

Margin Analysis

Financial Highlights

Executive-level metrics for QQ4 2025 and full-year 2025 (EUR figures in billions unless stated):
- Net income: EUR 2.113b (FY 2025) with RoTE at 25% and EPS EUR 0.933; PAT in excess of EUR 2.1b as highlighted by management.
- Total income: EUR 4.5b, down ~8% YoY; NII ~EUR 3.75b; net fees and commissions +4%; total cost-to-income ~44%.
- Costs: EUR 1.99b (FY), up ~1%; FTEs down ~3% to 10,207; C/I 44%.
- Balance sheet: Loans EUR 72.3b (up ~2% YoY); deposits EUR 117.2b (up ~7% YoY); CET1 16.2%; LCR 204%; LDR 61%; MREL 35.2%.
- Asset quality: ECL charge EUR 172m (24 bps); NPEs 2.2% of gross loans; ECL stock EUR 1.1b; ECL cover 1.6%.
- Capital deployment: EUR 2.25b total distributions; interim EUR 263m; final cash dividend EUR 988m; EUR 1b buyback executed.
- Liquidity and funding: Strong liquidity profile with diversified wholesale funding; deposit base resilient amid a rising rate environment.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	2.92B	138.53%	36.10%
Gross Profit	2.27B	85.39%	5.78%
Operating Income	1.23B	60.21%	4.87%
Net Income	1.21B	95.02%	30.71%
EPS	0.55	120.00%	37.50%

Key Financial Ratios

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q4 2025	2,922.00	0.55	+138.5%	View
Q2 2025	1,073.50	0.39	+75.3%	View
Q1 2025	1,073.50	0.20	-11.2%	View
Q4 2024	1,225.00	0.25	+1.3%	View
Q3 2024	1,225.00	0.25	+1.3%	View

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Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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