Aib Group Plc · EURONEXT:A5G
Aib — Debt Investor Presentation (March 2026)
16 slides from Aib's debt investor presentation, March 2026
Slide 1: Green Bond Investor Presentation
Green Bond For the future Investor you’re after Presentation AIB Group plc March 2026 1
Slide 2: Contents
Contents Page # • Overview 3 • Green Bond Framework & SPO 4 • Allocation and Impact Reporting 8 • EU Taxonomy Assessment 12 • Limited Assurance 13 2
Slide 3: Sustainability at AIB Overview
Sustainability at AIB Overview AIB’s Green Bond Programme This presentation provides a synopsis of AIB’s Green Bond Framework (September 2024), Sustainalytics Second Party Opinion (SPO) and the 2025 Green Bond reporting suite, including allocation reporting, impact reporting, and assurance reporting
Slide 4: Green Bond Framework – 2024
Green Bond Framework – 2024 • To align our funding strategy within the Group’s Sustainable Communities strategy - funding projects or assets that mitigate Rationale climate change by reducing emissions, protecting ecosystems, or having a positive environmental impact. • Green bond issuances serve as
Slide 5: Use of Proceeds 2024
Use of Proceeds 2024 Renewable Energy Green Commercial Buildings Green Residential Buildings Clean Transportation Use of Proceeds Use of Proceeds Use of Proceeds Use of Proceeds Financing and/or refinancing the generation, • Green Commercial Buildings in Ireland • Green Residential Buildings • Clean
Slide 6: Process for Project Evaluation and Selection - Overview
Process for Project Evaluation and Selection - Overview Governance Group Sustainability The GSC approves material changes to the Green Bond Framework, in accordance with AIB’s Sustainability Strategy, Committee (GSC) AIB’s Sustainable Lending Framework, and AIB Group’s Excluded Activities List. The
Slide 7: Second Party Opinion
Second Party Opinion • Sustainalytics has issued a positive SPO on AIB’s Green Bond Framework • SPO includes an EU Taxonomy Alignment Assessment Use of Proceeds: The eligible categories for the use of proceeds are aligned with those recognised by the Green Bond Principles 2021. Sustainalytics consid
Slide 8: Management of Proceeds at YE 2025
Management of Proceeds at YE 2025 ➢ AIB intends to be fully allocated at issuance for new green bonds, as well as having an over-allocated eligible green loan portfolio. ➢ Aggregated portfolio approach used to manage proceeds. ➢ Additional eligible green projects are added to the eligible green loan
Slide 9: Green Bond Portfolio & Impacts FY2025
Green Bond Portfolio & Impacts FY2025 Impact Reporting FY25 Total Portfolio Size €6,936m Total Est. Avoided Emissions (tCO2e/year) 2,772,295 Total Est. Avoided Energy Consumption (MWh/year) 126,120 Total Est. Avoided Waste to Landfill (containers) 177 Est. Avoided Emissions per €m invested 400 (tCO2
Slide 10: Electricity Transmission Infrastructure
Electricity Transmission Infrastructure The project is key to supporting the Irish Government’s Climate Action Plan and its Greenlink target to achieve 80% of electricity from renewable sources by 2030. The project was Interconnector also awarded financial support from the Connection Europe Facility
Slide 11: Renewable Energy Generation
Renewable Energy Seagreen is also making a significant Generation contribution to the UK’s energy supply and security, transforming energy generation and SSE Renewables - supporting a just transition in a region historically reliant on North Sea oil and gas. Seagreen Windfarm The delivery of the Sea
Slide 12: SPO – EU Taxonomy Assessment
SPO – EU Taxonomy Assessment Performed by Eligible Green Green Buildings Renewable Energy Circular Economy and Clean Transportation Category (Residential & Commercial) (Energy Generation, Storage & Transmission) Waste Management Ireland, UK & EEA North America Geography Ireland, UK and EEA Ireland a
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: 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 +353 1 772 4027 +353 1 6411817 Eoin Moore Siobhain Walsh Head of Term Funding Head of Debt Investor Relations Eoin.P.Moore@aib.ie Siobh
Slide 15: 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 16: 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 GREEN BONDS SHOULD BE MADE SOLE