Aib Group Plc · EURONEXT:A5G

Aib — FY2025 Earnings Presentation

49 slides from Aib's earnings presentation, Mar 4, 2026

1. Slide 1: AIB Group plc Annual Financial Results 2025

   AIB Group plc | Annual Financial Results | 2025 1 For the life you’re after AIB Group plc Annual Financial Results 31 December 2025

2. Slide 2: Forward-looking statement

   AIB Group plc | Annual Financial Results | 2025 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 looking s

3. Slide 3: Strong FY 2025 performance

   AIB Group plc | Annual Financial Results | 2025 3 Strong FY 2025 performance Profit after tax €2,139m Strong capital position Proceeds to the State RoTE 25.0% 16.2% CET1 c. €21bn returned Resilient NII €3.75bn; €2.25bn distributions(1) Returned to full private ahead of expectations 105% payout owner

4. Slide 4: FY 2025 sustainability highlights

   AIB Group plc | Annual Financial Results | 2025 4 FY 2025 sustainability highlights €30bn climate action target €22.9bn since 2019 > 34,000 financial planning 92% of our electrical energy €6.3bn in 2025 consultations completed sourced through our VPPA 43% of new lending in 2025 from two solar farms

5. Slide 5: Solid Irish economic fundamentals

   AIB Group plc | Annual Financial Results | 2025 5 Solid Irish economic fundamentals Underpinned by strong labour force and population growth Good growth forecast for 2025-27 despite risks Irish employment rises sharply post pandemic % ▪ Irish economy continues to perform robustly. 120 Forecasts sign

6. Slide 6: Open and resilient Irish economy

   AIB Group plc | Annual Financial Results | 2025 6 Open and resilient Irish economy Strong fiscal position facilitates State investment in housing and infrastructure Well-established stock of inward FDI (% GDP, 2024) Irish export base in defensive sectors (€bn, 2024) ▪ Ireland remains an attractive i

7. Slide 7: New lending up 2% to €14.7bn

   AIB Group plc | Annual Financial Results | 2025 7 New lending up 2% to €14.7bn Personal, Property & Corporate lending delivering growth New lending across asset classes Mortgages (€bn) Personal lending (€bn) Property (€bn) Corporate & SME (€bn) Corporate SME Climate & Infrastructure Capital +4% UK R

8. Slide 8: AIB is Ireland's #1 Bank

   AIB Group plc | Annual Financial Results | 2025 8 AIB is Ireland’s #1 Bank Market-leading franchise underpinned by trust, reliability, capability & adaptability Trusted franchise Simpler bank Digitalised offering Scalable Sustainability leader 3.4 million customers Simplified product suite Quick, se

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

   AIB Group plc | Annual Financial Results | 2025 9 Customer First: Delivering enhanced customer and financial outcomes Maintaining trust and long-term relationships with our customers Easy Engage Protect Continued record-breaking NPS Personal Segmentation Strategy defined New complaints mgmt. system

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

    AIB Group plc | Annual Financial Results | 2025 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 tran

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

    AIB Group plc | Annual Financial Results | 2025 11 Operational Efficiency & Resilience: Focus on digitalisation & simplification Enhanced customer and commercial outcomes Enhanced resilience & digitalisation Simplified & improved efficiency Broadening capacity, capability & customer Removed organisa

12. Slide 12: Increasing investment spend to c. €400m

    AIB Group plc | Annual Financial Results | 2025 12 Increasing investment spend to c. €400m Significant uplift in strategic investment €m Cloud data platform & warehouse with AI-enabled capabilities accelerating insight, speed, scale & reliability Average investment spend New digital engagement platf

13. Slide 13: Generating sustainable shareholder value

    AIB Group plc | Annual Financial Results | 2025 13 Generating sustainable shareholder value Delivering attractive shareholder returns Executing at pace against our Solid platform for enduring growth Sustainable value creation strategic objectives ▪ Sound domestic economic fundamentals ▪ Customer Fir

14. Slide 14: On track to complete current strategic cycle

    AIB Group plc | Annual Financial Results | 2025 14 On track to complete current strategic cycle Delivering on our commitments and well positioned for the future 2024-2026 Targets; Business performing ahead of expectations Targets continue to guide the business FY 2025 Costs <€2bn with CIR <50% Costs

15. Slide 15: Financial Performance

    15 Financial Performance

16. Slide 16: Financial performance FY 2025

    AIB Group plc | Annual Financial Results | 2025 16 Financial performance FY 2025 Profit after tax €2,139m ▪ RoTE 25.0%; EPS 93.3c Total income €4,504m down 8% ▪ Net interest income €3,748m (-9%) as expected; net fee and commission income €692m (+4%) Costs lower than expected at €1,992m(1); up 1% ▪ C

17. Slide 17: Income Statement

    17 Income Statement

18. Slide 18: Income statement; profit after tax €2.1bn and RoTE 25.0%

    AIB Group plc | Annual Financial Results | 2025 18 Income statement; profit after tax €2.1bn and RoTE 25.0% Summary income statement (€m) FY 2025 FY 2024 Net interest income 3,748 4,129 ▪ Total operating income €4,504m down 8% Other income(1) 756 779 ▪ Operating expenses €1,992m up 1% Total operatin

19. Slide 19: Net interest income €3,748m; down 9% due to lower interest rates

    AIB Group plc | Annual Financial Results | 2025 19 Net interest income €3,748m; down 9% due to lower interest rates NII €3,748m (-9%) in line with expectations due to a lower rate environment NII / NIM movements (€m) / (bps) partially mitigated by structural hedge and higher average deposit and loan

20. Slide 20: NII resilience demonstrated through the interest rate cycle

    AIB Group plc | Annual Financial Results | 2025 20 NII resilience demonstrated through the interest rate cycle NII 2026 guidance c. €3.8bn NII resilience (€bn) ▪ Assuming ECB deposit rate of 2.00% throughout 2026 NII 4.1 3.75 c. 3.8 ▪ Deposit beta(1) of c. 20% in 2025; expect c. 20% in 2026 3.8 End

21. Slide 21: Other income €756m; net fee and commission income up 4%

    AIB Group plc | Annual Financial Results | 2025 21 Other income €756m; net fee and commission income up 4% Net fee and commission income (€m) FY 2025 FY 2024 ▪ Total other income €756m down 3% as higher net fee and commission income is offset by lower other income items primarily: Customer accounts

22. Slide 22: Costs lower than expected; €1,992m, up 1%

    AIB Group plc | Annual Financial Results | 2025 22 Costs lower than expected; €1,992m, up 1% Operating expenses(1) (€m) ▪ Costs €1,992m, up 1%: 1,971 1,992 • Staff costs down 1% due to lower average headcount and lower variable pay 301 291 Depreciation allowance partially offset by inflation General

23. Slide 23: ECL charge €172m (24bps CoR); 1.6% ECL cover

    AIB Group plc | Annual Financial Results | 2025 23 ECL charge €172m (24bps CoR); 1.6% ECL cover Loan book(1) by Staging & Coverage ECL (charge) / writeback (€m) FY 2025 H2 2025 H1 2025 FY 2024 (€bn) 1.9% 71.2 72.3 1.6% Macroeconomic assumptions 52 75 (23) 41 30.6% 3% 28.2% 2% Credit performance (210

24. Slide 24: Balance Sheet

    24 Balance Sheet

25. Slide 25: Significant growth in deposits outpaced growth in customer loans

    AIB Group plc | Annual Financial Results | 2025 25 Significant growth in deposits outpaced growth in customer loans Balance sheet (€bn) Dec 2025 Dec 2024 Assets Performing loans 70.7 69.2 ▪ Gross loans €72.3bn increased by 2% Non-performing loans 1.6 2.0 • 3% increase on an underlying basis (excl. a

26. Slide 26: Gross loans increased by 3% on an underlying basis

    AIB Group plc | Annual Financial Results | 2025 26 Gross loans increased by 3% on an underlying basis Gross loans €72.3bn increased €1.1bn Gross loans (€bn) CAGR + c.5% (€bn) 71.2 72.3 14.7 (11.7) 5.5 6.3 +3% (0.7) (1.2) +2% 6.0 6.1 (1.1) 73.5 72.3 17.6 17.2 71.2 71.2 42.1 42.6 Dec 24 New lending Re

27. Slide 27: Funding and Capital

    27 Funding and Capital

28. Slide 28: Strong funding and liquidity reserves

    AIB Group plc | Annual Financial Results | 2025 28 Strong funding and liquidity reserves Total funding composition(1) Significant growth in customer deposits(1) up 7% (€bn) 142.9 (€bn) 136.5 117.2 34.5 109.8 4.9 33.1 Corporate* Notice 3.4 + c.€2.4bn net 15.0 12.6 inflows into term Term Customer depo

29. Slide 29: CET1 (FL) 16.2%; strong capital generation supporting distributions

    AIB Group plc | Annual Financial Results | 2025 29 CET1 (FL) 16.2%; strong capital generation supporting distributions CET1 movements % +3.7 (3.9%) +0.6 +1.2 +0.4 (0.2) (0.7%) 16.2 15.1 Dec 24 Basel IV Capital generation Total distributions Warrants DTA Other equity RWA Dec 25 Total capital ratio (F

30. Slide 30: Capital: Pathway to >14% CET1 target

    AIB Group plc | Annual Financial Results | 2025 30 Capital: Pathway to >14% CET1 target CET1 trajectory to >14% target For illustration 16.2% + - +/- - - Dec 25 Capital generation Invest in our business RWA developments Ordinary dividend 40-60% Additional distributions Target >14% Drive strong busin

31. Slide 31: 2026 guidance and outlook

    AIB Group plc | Annual Financial Results | 2025 31 2026 guidance and outlook Medium-term targets FY 2025 performance 2026 Guidance ▪ Net interest income c. €3.8bn Costs <€2bn with CIR <50% Costs of €1,992m with CIR of 44% ▪ Other income > €750m ▪ Costs expected to increase by c. 2% CET1 of 16.2%; ge

32. Slide 32: Appendices

    32 Appendices

33. Slide 33: Market-leading customer propositions to support transition

    AIB Group plc | Annual Financial Results | 2025 33 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 for C

34. Slide 34: Average balance sheet

    AIB Group plc | Annual Financial Results | 2025 34 Average balance sheet FY 2025 FY 2024 Average Average Volume Interest Yield Volume Interest Yield €m €m % €m €m % Assets Customer loans 71,131 3,129 4.40 68,300 2,817 4.11 Investment securities 20,035 632 3.15 18,011 841 4.66 Loans to banks / other

35. Slide 35: Customer loans movements

    AIB Group plc | Annual Financial Results | 2025 35 Customer loans movements Non-performing €bn Performing loans Customer loans loans Gross loans (1 Jan 2025) 69.2 2.0 71.2 New lending 14.7 - 14.7 Redemptions of existing loans (11.7) (0.6) (12.3) Portfolio disposals (0.1) (0.3) (0.4) Net flow to NPE

36. Slide 36: Loan book by staging and coverage

    AIB Group plc | Annual Financial Results | 2025 36 Loan book* by staging and coverage Dec 2025 Gross loan exposures & ECL (€bn) Stage 1 Stage 2 Stage 3** Total Exposure Loan book by staging: €72.3bn loan exposures Mortgages 35.0 1.8 0.7 37.5 Personal 2.8 0.5 0.1 3.4 ▪ Stage 1 loan exposures increase

37. Slide 37: Loan book by sector

    AIB Group plc | Annual Financial Results | 2025 37 Loan book by sector Concentration by sector (%) Dec 2025 Dec 2025 Gross loans (€bn) Residential mortgages 52 At amortised cost (excluding mortgages & personal) Stage 1 Stage 2 Stage 3* Total exposures Property & construction 12 Property & constructi

38. Slide 38: Asset quality by asset class

    AIB Group plc | Annual Financial Results | 2025 38 Asset quality by asset class At amortised cost At FVTPL €bn Mortgages Personal Property Corporate & SME Total Total Total Dec 2025 Customer loans 37.5 3.4 8.4 22.9 72.3 0.1 72.3 Total ECL cover (%) 0.5% 3.8% 5.1% 1.8% 1.6% of which NPEs 0.7 0.1 0.3

39. Slide 39: Macroeconomic scenarios and sensitivities; Post model adjustments (PMAs)

    AIB Group plc | Annual Financial Results | 2025 39 Macroeconomic scenarios and sensitivities; Post model adjustments (PMAs) Macroeconomic scenario – Base (%) 2025 2026 2027 2028 2029 2030 PMAs Dec 25 Republic of Ireland Total PMA stock of €294m (26% of overall ECL stock) GDP growth(1) 7.0 3.0 3.8 2.

40. Slide 40: Mortgages and personal lending

    AIB Group plc | Annual Financial Results | 2025 40 Mortgages and personal lending Total Mortgages Total Mortgages Dec 24 Dec 25 Dec 24 Dec 25 5% 3% 5% 2% 3% 3% 97% 97% 92% 93% €37.0bn €37.5bn €37.0bn €37.5bn (1) Stage 1 Stage 2 Stage 3 Owner-occupier Buy-to-let Total Mortgages Personal lending Dec 2

41. Slide 41: Property €8.4bn; Corporate/SME €22.9bn

    AIB Group plc | Annual Financial Results | 2025 41 Property €8.4bn; Corporate/SME €22.9bn Property €8.4bn / ECL cover 5.1% Corporate/SME €22.9bn / ECL cover 1.8% Natural resources Leisure Residential investment 1% Manufacturing Student accomodation 51% 8% 15% Health, education & social work 28% Hous

42. Slide 42: NPEs 2.2% of gross loans (Dec 24: 2.8%); 20% reduction

    AIB Group plc | Annual Financial Results | 2025 42 NPEs 2.2% of gross loans (Dec 24: 2.8%); 20% reduction Non-performing exposures (NPEs) Non-performing exposures €bn ▪ NPEs €1.6bn; NPE ratio 2.2% at Dec 25 made up of: 21.6% • €0.3bn Property (22%) Asset class NPE ratio • €0.7bn Mortgages (42%) Prop

43. Slide 43: Debt securities €21.2bn; primarily held for liquidity purposes

    AIB Group plc | Annual Financial Results | 2025 43 Debt securities €21.2bn; primarily held for liquidity purposes Debt Securities composition by economic intent, asset class and geography €bn Debt securities €18.4bn Debt securities €21.2bn Geographical split €21.2bn 21.2 +15% 18.4 Govt securities 5.

44. Slide 44: Reported capital ratios

    AIB Group plc | Annual Financial Results | 2025 44 Reported capital ratios Transitional Fully loaded Fully loaded Fully loaded Risk weighted assets (€m) Dec 25 Dec 24 Movement Dec 25 Dec 25 Dec 24 Credit risk 47,776 53,806 (6,030) Total risk weighted assets (€m) 54,178 55,357 62,030 Market risk 426

45. Slide 45: Regulatory capital requirements

    AIB Group plc | Annual Financial Results | 2025 45 Regulatory capital requirements Regulatory capital requirements Dec 25 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% Counter

46. Slide 46: Composition of balance sheet & interest rate sensitivity

    AIB Group plc | Annual Financial Results | 2025 46 Composition of balance sheet & interest rate sensitivity NII sensitivity as at Dec 2025(1) Composition of balance sheet by interest rate type at Dec 2025* €m -100bps -50bps -25bps +25bps +50bps +100bps 50% Euro (307) (156) (76) 76 158 317 Sterling (

47. Slide 47: Credit ratings

    AIB Group plc | Annual Financial Results | 2025 47 Credit ratings 31 Dec 2025 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 ✓ ✓

48. Slide 48: Dividend timetable: proposed final cash dividend per share 46.257c

    AIB Group plc | Annual Financial Results | 2025 48 Dividend timetable: proposed final cash dividend per share 46.257c Dividend timetable Event Date Full year results Wed, 4 March 2026 Ex-dividend date Thurs, 26 March 2026 Record date Fri, 27 March 2026 Currency/tax election deadline Tues, 14 April 2

49. Slide 49: Contact details

    AIB Group plc | Annual Financial Results | 2025 49 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 919570

AIB Group — FY2025 Earnings Presentation on 6ix