Aib Group Plc · EURONEXT:A5G

Aib — H1 2026 Earnings Presentation

48 slides from Aib's earnings presentation, Jul 30, 2026

1. Slide 1: Half-Year Financial Results

   AIB Group plc Half-Year Financial Results For the six months ended 30 June 2026

2. Slide 2: Forward-looking statement

   AIB Group plc | Half-Year Financial Results | 2026 2 Forward-looking statement This document contains certain forward looking statements with respect to the financial condition, results of operations and business of AIB Group and certain of the plans and objectives of the Group. These forward lookin

3. Slide 3: Strong H1 2026 performance

   AIB Group plc | Half-Year Financial Results | 2026 3 Strong H1 2026 performance Gross loans Profit after tax €939m Strong capital position €74.5bn, +3% RoTE 23.2% 16.1% CET1 New lending €7.5bn, +10% Resilient NII €1,871m; Growing deposits Interim dividend NIM 2.68% €118.8bn, +1.3% 19.528c per share,

4. Slide 4: H1 2026 sustainability highlights

   AIB Group plc | Half-Year Financial Results | 2026 4 H1 2026 sustainability highlights €30bn climate action target > 18,000 financial planning 40+ community fraud €26bn since 2019 consultations in H1 awareness events €3.1bn in H1 2026 Supporting customers’ financial Educate, protect & build customer

5. Slide 5: Solid Irish economic fundamentals

   AIB Group plc | Half-Year Financial Results | 2026 5 Solid Irish economic fundamentals Underpinned by strong labour force and population growth Solid growth forecast for 2026-28 despite risks Irish employment rises sharply post pandemic % ▪ Irish economy continues to perform robustly. 120 Forecasts

6. Slide 6: Open and resilient Irish economy

   AIB Group plc | Half-Year Financial Results | 2026 6 Open and resilient Irish economy Strong fiscal position facilitates State investment in housing and infrastructure Smaller rise in inflation expected compared to 2022-23 Well-established stock of inward FDI (% GDP, 2024) ▪ Inflationary pressures a

7. Slide 7: New lending up 10% to €7.5bn

   AIB Group plc | Half-Year Financial Results | 2026 7 New lending up 10% to €7.5bn Climate & Infrastructure Capital and Corporate lending delivering growth New lending across asset classes Mortgages (€bn) Personal lending (€bn) Property (€bn) Corporate & SME (€bn) UK ROI Corporate SME Climate & Infra

8. Slide 8: AIB is Ireland's #1 Bank in a changing banking landscape

   AIB Group plc | Half-Year Financial Results | 2026 8 AIB is Ireland’s #1 Bank in a changing banking landscape Market-leading franchise underpinned by trust, reliability, capability & adaptability Trusted franchise Simpler bank Digitalised offering Scalable Sustainability leader 3.5 million customers

9. Slide 9: Customer First: Delivering enhanced customer and financial outcomes

   AIB Group plc | Half-Year Financial Results | 2026 9 Customer First: Delivering enhanced customer and financial outcomes Maintaining trust and long-term relationships with our customers Easy Engage Protect Customer & commercial outcomes Continued record-breaking NPS Personal Segmentation Strategy de

10. Slide 10: Greening our Business: Mobilising capital to support climate action

    AIB Group plc | Half-Year Financial Results | 2026 10 Greening our Business: Mobilising capital to support climate action Grow our business in green energy & sustainable infrastructure Selective growth underpinned by strong pipeline and the significant sustainable finance opportunity Financing the t

11. Slide 11: Operational Efficiency & Resilience: Focus on digitalisation & simplification

    AIB Group plc | Half-Year Financial Results | 2026 11 Operational Efficiency & Resilience: Focus on digitalisation & simplification c. €400m p.a. investment increasing resilience, leveraging scale & accelerating innovation for future growth Enhanced resilience & digitalisation Simplified & improved

12. Slide 12: Generating sustainable value; completing the current strategic cycle with momentum

    AIB Group plc | Half-Year Financial Results | 2026 12 Generating sustainable value; completing the current strategic cycle with momentum Delivering on our commitments with attractive returns; well positioned for the future Executing at pace against our Solid platform for enduring growth Sustainable

13. Slide 13: Financial Performance

    For the life you're after Financial Performance

14. Slide 14: Financial performance H1 2026

    AIB Group plc | Half-Year Financial Results | 2026 14 Financial performance H1 2026 Profit after tax €939m (H1 2025: €927m) ▪ RoTE 23.2%; EPS 42.2c Total income €2,282m up 2% ▪ Net interest income €1,871m stable; other income €411m (+15%) Costs €1,001m(1) up 2% as guided ▪ Cost income ratio unchange

15. Slide 15: Income Statement

    For the life you're after Income Statement

16. Slide 16: Income statement: profit after tax €0.9bn and RoTE 23.2%

    AIB Group plc | Half-Year Financial Results | 2026 16 Income statement: profit after tax €0.9bn and RoTE 23.2% Summary income statement (€m) H1 2026 H1 2025 Net interest income 1,871 1,874 ▪ Total operating income €2,282m up 2% Other income 411 358 Total operating income 2,282 2,232 ▪ Operating expe

17. Slide 17: Net interest income €1,871m stable; NIM 2.68%

    AIB Group plc | Half-Year Financial Results | 2026 17 Net interest income €1,871m stable; NIM 2.68% up from 2.65% at Q1 2026 NII €1,871m decreased slightly by €3m due to a lower rate environment NII / NIM movements (€m) / (bps) partially offset by structural hedge and higher average loan and deposit

18. Slide 18: NII resilience through the cycle with positive momentum

    AIB Group plc | Half-Year Financial Results | 2026 18 NII resilience through the cycle with positive momentum NII 2026 guidance > €3.8bn NII resilience (€bn) ▪ Updating guidance to > €3.8bn (from c. €3.8bn) NII 4.1 3.75 > 3.8 • Assumes ECB deposit rate of 2.50% at Dec 2026 (previously 2%) 3.8 End EC

19. Slide 19: Other income €411m: net fee and commission income €328m

    AIB Group plc | Half-Year Financial Results | 2026 19 Other income €411m: net fee and commission income €328m Other income (€m) H1 2026 H1 2025 ▪ Total other income €411m up 15% Customer accounts and payment services 125 131 ▪ Net fee and commission income €328m down €12m (-3%) Lending related fees

20. Slide 20: Costs €1,001m; 2% increase in line with guidance

    AIB Group plc | Half-Year Financial Results | 2026 20 Costs €1,001m; 2% increase in line with guidance Operating expenses(1) (€m) ▪ Costs €1,001m, up 2%: 979 1,001 144 150 • Staff costs up 5% due to salary inflation, increase in variable pay partially offset by lower average headcount 358 351 • Gene

21. Slide 21: ECL charge €91m (25bps CoR); 1.6% ECL cover

    AIB Group plc | Half-Year Financial Results | 2026 21 ECL charge €91m (25bps CoR); 1.6% ECL cover Loan book(1) by Staging & Coverage ECL (charge) / writeback (€m) H1 2026 H1 2025 (€bn) 1.6% 1.6% 72.2 74.4 Macroeconomic assumptions (32) (23) 32% 2% 33% 2% 6% 6% Credit performance (93) (103) 11% 11% S

22. Slide 22: Balance Sheet

    For the life you're after Balance Sheet

23. Slide 23: Strong growth in customer loans and deposits

    AIB Group plc | Half-Year Financial Results | 2026 23 Strong growth in customer loans and deposits Balance sheet (€bn) Jun 2026 Dec 2025 Assets Performing loans 72.7 70.7 ▪ Gross loans €74.5bn increased by 3% Non-performing loans 1.8 1.6 Gross loans to customers 74.5 72.3 ▪ New lending €7.5bn exceed

24. Slide 24: Loan book increased 3% to €74.5bn

    AIB Group plc | Half-Year Financial Results | 2026 24 Loan book increased 3% to €74.5bn Gross loans Gross loans €74.5bn increased €2.2bn (€bn) (€bn) 72.3 74.5 + c. 5% 0.3 6.3 7.2 7.5 (5.6) (1.2) 6.1 6.3 74.5 73.3 72.3 18.1 17.2 42.6 42.9 Dec 25 Jun 26 2026e Dec 25 New lending Redemptions FX/Other Ju

25. Slide 25: Funding and capital

    Funding and capital

26. Slide 26: Strong funding and liquidity reserves

    AIB Group plc | Half-Year Financial Results | 2026 26 Strong funding and liquidity reserves Total funding composition Customer deposits up 1.3% (€bn) (€bn) 142.7 142.7 117.2 118.8 4.9 5.9 34.5 34.5 c. €0.4bn net 15.0 15.4 Corporate inflows into term Customer 32.4 32.9 Notice deposits €118.8bn Person

27. Slide 27: CET1 (FL) 16.1% well ahead of regulatory requirements

    AIB Group plc | Half-Year Financial Results | 2026 27 CET1 (FL) 16.1% well ahead of regulatory requirements CET1 (FL) movements +1.7% (0.7%) (1.0%) Interim dividend +0.2% (0.1%) (0.2%) 16.2% 16.1% H1 profit Exclusion of DTA Other equity RWA remaining H1 profit Dec 25 Jun 26 Total capital ratios full

28. Slide 28: Capital: Pathway to > 14% CET1 target

    AIB Group plc | Half-Year Financial Results | 2026 28 Capital: Pathway to > 14% CET1 target CET1 outlook to > 14% target For illustration 16.1% + - +/- - - Jun 26 Capital generation Invest in our business RWA developments Ordinary dividend 40-60% Additional distributions Target > 14% Strong capital

29. Slide 29: 2026 guidance and outlook; on track to close out this strategic cycle

    AIB Group plc | Half-Year Financial Results | 2026 29 2026 guidance and outlook; on track to close out this strategic cycle Medium-term targets 2026 guidance ▪ Net interest income > €3.8bn (previously c. €3.8bn) Costs(1) < €2bn with CIR < 50% ▪ Other income c. €800m (previously > €750m) ▪ Costs expe

30. Slide 30: Appendices

    AIB For the life you're after Appendices

31. Slide 31: Average balance sheet

    AIB Group plc | Half-Year Financial Results | 2026 31 Average balance sheet H1 2026 H1 2025 Average Average Volume Interest Yield Volume Interest Yield €m €m % €m €m % Assets Customer loans 72,600 1,577 4.38 70,643 1,532 4.37 Investment securities 22,858 322 2.84 19,011 324 3.44 Loans to banks / oth

32. Slide 32: Customer loan movements

    AIB Group plc | Half-Year Financial Results | 2026 32 Customer loan movements Non-performing €bn Performing Loans Customer Loans Loans Gross loans (1 Jan 2026) 70.7 1.6 72.3 New lending 7.5 - 7.5 Redemptions (5.5) (0.1) (5.6) Net flow to NPE (0.3) 0.3 - Foreign exchange / other movements 0.3 - 0.3 G

33. Slide 33: Loan book by staging and coverage

    AIB Group plc | Half-Year Financial Results | 2026 33 Loan book(1) by staging and coverage Jun 2026 Gross loan exposures & ECL (€bn) Stage 1 Stage 2 Stage 3 & Total Exposure POCI Mortgages 35.1 1.8 0.8 37.7 Loan book by staging – €74.4bn loan exposures Personal 2.9 0.5 0.1 3.5 ▪ Stage 1 loan exposur

34. Slide 34: Loan book by sector

    AIB Group plc | Half-Year Financial Results | 2026 34 Loan book by sector Concentration by sector (%) Jun 2026 Jun 2026 Gross loans (€bn) Residential mortgages 51 At amortised cost (excluding mortgages & personal) Stage 1 Stage 2 Stage 3* Total exposures Property & construction 12 Property & Constru

35. Slide 35: Asset quality by asset class

    AIB Group plc | Half-Year Financial Results | 2026 35 Asset quality by asset class At amortised cost At FVTPL €bn Mortgages Personal Property Corporate & SME Total Total Total Jun 2026 Customer loans 37.7 3.5 8.6 24.6 74.4 0.1 74.5 Total ECL cover (%) 0.5% 4.6% 5.2% 1.8% 1.6% of which NPEs 0.7 0.1 0

36. Slide 36: Macroeconomic scenarios and sensitivities; Post model adjustments (PMAs)

    AIB Group plc | Half-Year Financial Results| 2026 36 Macroeconomic scenarios and sensitivities; Post model adjustments (PMAs) Macroeconomic scenario – Base 2026 2027 2028 2029 2030 Future model Jun 26 Sectoral/ (%) NPE resolution developments/ Total PMA (€m) Emerging risks Other Republic of Ireland

37. Slide 37: Mortgages and personal lending

    AIB Group plc | Half-Year Financial Results | 2026 37 Mortgages and personal lending Total Mortgages Total Mortgages Dec 25 Jun 26 Dec 25 Jun 26 5% 2% 5% 2% 3% 3% 97% 97% 93% 93% €37.5bn €37.7bn €37.5bn €37.7bn (1) Stage 1 Stage 2 Stage 3 Owner-occupier Buy-to-let Total Mortgages Personal lending De

38. Slide 38: Property and Corporate & SME

    AIB Group plc | Half-Year Financial Results | 2026 38 Property and Corporate & SME Property €8.6bn/ ECL cover 5.2% Corporate & SME €24.6bn Natural resources 1% Leisure Residential investment Manufacturing 7% Student accomodation 52% 15% Health, education & social work Housing associations 25% 14% 28

39. Slide 39: NPEs 2.35% of gross loans

    AIB Group plc | Half-Year Financial Results | 2026 39 NPEs 2.35% of gross loans (Dec 25: 2.20%) Non-performing exposures (NPEs) Non-performing exposures €bn ▪ NPEs €1.75bn; NPE ratio 2.35% at Jun 26 made up of: 21.6% • €0.7bn Mortgages (39%) Asset class NPE ratio • €0.6bn Corporate/SME (32%) Propert

40. Slide 40: Debt securities €23.9bn; primarily held for liquidity purposes

    AIB Group plc | Half-Year Financial Results | 2026 40 Debt securities €23.9bn; primarily held for liquidity purposes Debt Securities composition by economic intent, asset class and geography €bn 21.2 23.9 Debt securities €21.2bn Debt securities €23.9bn Geographical split €23.9bn +12% 5.0 8.8 Govt se

41. Slide 41: Capital detail

    AIB Group plc | Half-Year Financial Results | 2026 41 Capital detail Transitional and fully loaded capital detail and ratios Fully Fully Transitional loaded Transitional loaded Fully loaded Risk weighted assets (€m) Jun 26 Dec 25 Movement Jun 26 Jun 26 Dec 25 Dec 25 Credit risk 48,677 47,776 901 Tot

42. Slide 42: Regulatory capital requirements

    AIB Group plc | Half-Year Financial Results | 2026 42 Regulatory capital requirements Regulatory capital requirements Jun 26 Dec 26 Dec 27* Pillar 1 4.50% 4.50% 4.50% Pillar 2 requirement (P2R) 1.35% 1.35% 1.35% Capital Conservation Buffer (CCB) 2.50% 2.50% 2.50% O-SII Buffer 1.50% 1.50% 1.50% Count

43. Slide 43: Investment spend c. €400m p.a.

    AIB Group plc | Half-Year Financial Results | 2026 43 Investment spend c. €400m p.a. Increasing resilience, leveraging scale & accelerating innovation for future growth €m Cloud data platform & warehouse with AI-enabled capabilities accelerating insight, speed, scale & reliability Average investment

44. Slide 44: Composition of balance sheet & interest rate sensitivity

    AIB Group plc | Half-Year Financial Results| 2026 44 Composition of balance sheet & interest rate sensitivity Composition of balance sheet by interest rate type at Jun 2026* NII sensitivity as at Jun 2026 50% €m -100bps -50bps -25bps +25bps +50bps +100bps Euro (184) (92) (46) 46 91 182 Interest rate

45. Slide 45: Credit ratings

    AIB Group plc | Half-Year Financial Results | 2026 45 Credit ratings 30 Jun 2026 AIB Group plc (HoldCo) A2 BBB+ Long term issuer rating Outlook Stable Stable Investment grade ✓ ✓ AIB p.l.c. (OpCo) Aa3 A+ Long term issuer rating Outlook Stable Stable Investment grade ✓ ✓

46. Slide 46: Market leading customer propositions to support transition

    AIB Group plc | Half-Year Financial Results | 2026 46 Market leading customer propositions to support transition Sustainability ratings, commitments & partnerships Propositions Sustainability Ratings Green Mortgage for Sustainable Project energy efficient homes Finance 13.2 across AIB, Haven, EBS fo

47. Slide 47: Dividend timetable: interim cash dividend per share 19.528c

    AIB Group plc | Half-Year Financial Results| 2026 47 Dividend timetable: interim cash dividend per share 19.528c Dividend timetable Event Date Half-year results Thurs, 30 July 2026 Ex-dividend date Thurs, 13 August 2026 Record date Fri, 14 August 2026 Currency/tax election deadline Tues, 8 September

48. Slide 48: Contact details

    AIB Group plc | Half-Year Financial Results | 2026 48 Contact details Name Email Telephone Niamh Hore niamh.a.hore@aib.ie +353 86 3135647 Head of Group IR and External Communications Siobhain Walsh siobhain.m.walsh@aib.ie +353 87 3956864 Head of Debt IR Bernie Glynn bernie.a.glynn@aib.ie +353 87 919

AIB Group — H1 2026 Earnings Presentation on 6ix