AIB Group plc (AIBG) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.619 Good morning and welcome to the AIB Group Q3 2025 Trending Update conference call. 00:00:05.619 -- 00:00:09.484 All lines have been placed on mute to prevent any background noise. 00:00:09.484 -- 00:00:12.629 After the speaker's remarks, there will be question and answer session. 00:00:12.629 -- 00:00:16.874 To ask a question during the session, you need to press star 11 on your telephone keypad. 00:00:16.874 -- 00:00:20.419 You will not hear an automatic message advising your hand is raised. 00:00:20.419 -- 00:00:23.624 To withdraw a question, please press star 11 again. 00:00:23.624 -- 00:00:28.499 Finally, I would like to advise all participants that this call is being recorded. 00:00:28.499 -- 00:00:32.906 I will now pass you over to our speakers for today's session, CEO Colin Hunt and CFO 00:00:32.906 -- 00:00:36.713 Donald Galvin. Mr. Hunt, please go ahead. 00:00:36.713 -- 00:00:39.558 Thank you so much, Nadia. Good morning, everybody. 00:00:39.558 -- 00:00:44.205 We are pleased to report another strong performance in the third quarter of this year, 00:00:44.205 -- 00:00:49.171 demonstrating the ongoing resilience of our business. 00:00:49.171 -- 00:00:53.936 On the back of this morning's release and pretty clear visibility now to the end of the 00:00:53.936 -- 00:00:59.302 year, we are nudging our NII guidance higher to greater than €3.7 00:00:59.302 -- 00:01:04.068 billion for the year as a whole. We're reporting 5% growth in new lending to the end 00:01:04.068 -- 00:01:08.653 of September with some particular strength being seen in personal lending and in our 00:01:08.653 -- 00:01:11.854 capital markets and UK businesses. 00:01:12.017 -- 00:01:17.122 Our lending book remains very resilient and we are now guiding our cost o...