Aib Group Plc · EURONEXT:A5G
Aib — Debt Investor Presentation (May 2025)
17 slides from Aib's debt investor presentation, May 2025
Slide 1: AIB Group plc Social Bond Investor Presentation
AIB Group plc For the future you’re after Social Bond Investor Presentation May 2025 1
Slide 2: Contents
Contents Page # • Social Bond Framework & SPO 3 • Allocation and Impact Reporting 9 • Limited Assurance 13 2
Slide 3: Social Bond Framework – 2024
Social Bond Framework – 2024 • Being a responsible member of society is a cornerstone of AIB’s business. We believe that Social Bond financing offers a way to Rationale create transparency around funds targeted to provide positive societal impact and/or mitigate social problems. • Social bond issuan
Slide 4: Use of Proceeds 2024
Use of Proceeds 2024 Social & Affordable Housing Access to Healthcare Access to Education SME Financing Use of Proceeds Use of Proceeds Use of Proceeds Use of Proceeds a) Housing organisations: Loans to housing bodies, a) Healthcare facilities: Loans dedicated to the a) Education facilities: Loans d
Slide 5: Selection Process for SME Financing in Deprived Areas
Selection Process for SME Financing in Deprived Areas Eligibility Criteria Background of Pobal HP Deprivation index* 1. Be an SME as per EU Commission definition. ✓ The Pobal HP Deprivation index is Ireland’s most widely used social gradient metric, which scores each Small Area (min. 50 – 2. Not be
Slide 6: Use of Proceeds – Social Impact Matrix
Use of Proceeds – Social Impact Matrix SBP category SBP Sub-category Target Population Social Benefits / Objectives Alignment with National Policy Frameworks • Increase access to quality, timely and accessible • Irish National Treatment Purchase Fund (NTPF) Access to Healthcare Hospitals • General p
Slide 7: Process for Project Evaluation and Selection - Overview
Process for Project Evaluation and Selection - Overview Process for Project Evaluation and Selection Compliance with ICMA Social Bond Eligibility Criteria (i.e. Use of Proceeds) Alignment with AIB’s sustainability strategy Compliance with official and international environmental and social standards
Slide 8: Second Party Opinion
Second Party Opinion ISS-Corporate has issued a positive Second Party Opinion on AIB’s Social Bond Framework Use of Proceeds – Aligned: The Use of Proceeds description provided by AIB’s Social Bond Framework is aligned with CONTRIBUTION the ICMA Social Bond Principles. The issuer’s social categories
Slide 9: Management of Proceeds at YE 2024
Management of Proceeds at YE 2024 ➢ AIB intends to be fully allocated at issuance for new social bonds, as well as having an over-collateralised social portfolio. ➢ Aggregated portfolio approach used to manage proceeds. ➢ Additional eligible social loans are added to the eligible social loan portfol
Slide 10: Social Bond Portfolio Impacts FY2024
Social Bond Portfolio Impacts FY2024 See the Appendix for Footnote detail Pre-issuance Allocation & Impact Reports available here (FY24):Impact and Allocation Reports 10
Slide 11: Case Study – First Home Scheme
Case Study – First Home Scheme Affordable Housing Launched in 2022, the First Home Scheme is a The Scheme provides homebuyers with an measure developed under the Supporting Home equity facility. This means that homebuyers will Ownership and Increasing Affordability pathway enter into a contract with
Slide 12: Case Study – Newbrook Group
Case Study – Newbrook Group Access to Healthcare Ireland’s ageing and growing population has led range of services including long term care, to increased demands on the country’s nursing respite, convalescence, dementia and acquired home sector. The Nursing Home Support brain injury care. A key obje
Slide 13: External Review: Independent Limited Assurance
External Review: Independent Limited Assurance Independent Limited Assurance Report to AIB Work Performed AIB engaged Forvis Mazars to perform a review to facilitate the provision of a Forvis Mazars was required to plan and perform work in order to consider the risk limited assurance report in respe
Slide 14: Footnotes to Social Bond Portfolio Impacts FY2024 Table
Footnotes to Social Bond Portfolio Impacts FY2024 Table For the future you’re after 14
Slide 15: Contact Details
Contact Details For the future Mark Whelan Niamh Hore you’re after Head of Funding and Liquidity Head of Investor Relations Mark.A.Whelan@aib.ie Niamh.A.Hore@aib.ie Eoin Moore Siobhain Walsh Head of Term Funding Head of Debt Investor Relations Eoin.P.Moore@aib.ie Siobhain.M.Walsh@aib.ie Grace Loring
Slide 16: Disclaimer (1/2)
Disclaimer (1/2) THIS DOCUMENT IS INTENDED TO PROVIDE NON-EXHAUSTIVE, GENERAL INFORMATION. THIS DOCUMENT MAY CONTAIN OR INCORPORATE BY REFERENCE PUBLIC INFORMATION NOT SEPARATELY REVIEWED, APPROVED OR ENDORSED BY AIB AND ACCORDINGLY, NO REPRESENTATION, WARRANTY OR UNDERTAKING, EXPRESS OR IMPLIED, IS
Slide 17: Disclaimer (2/2)
Disclaimer (2/2) THIS DOCUMENT REPRESENTS CURRENT AIB POLICY AND INTENT AS AT THE DATE OF THIS DOCUMENT AND IS SUBJECT TO CHANGE WITHOUT NOTICE AND IS NOT INTENDED NOR CAN BE RELIED ON, TO CREATE LEGAL RELATIONS, RIGHTS OR OBLIGATIONS. ANY DECISION TO PURCHASE ANY AIB SOCIAL BONDS SHOULD BE MADE SOL