AIB Group plc (AIBG) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:01.933 In life, 00:00:01.933 -- 00:00:03.935 you've around 29,000 00:00:03.935 -- 00:00:05.935 days. 00:00:07.539 -- 00:00:10.140 Go after everyone. 00:00:13.045 -- 00:00:15.666 Don't live in the someday. 00:00:18.151 -- 00:00:21.833 Because life isn't measured in years, 00:00:23.257 -- 00:00:25.577 but in moments. 00:00:28.663 -- 00:00:31.523 Where in the hush of a breath, 00:00:32.161 -- 00:00:35.268 You reach out into the unknown 00:00:35.268 -- 00:00:38.671 and go for the life you really want. 00:00:38.916 -- 00:00:42.244 At AIB, we're here to help you get those moments. 00:00:42.244 -- 00:00:47.792 Go after everyone. AIB. For the life you're after. 00:00:48.175 -- 00:00:53.463 Good morning and welcome to the presentation of AIB Group's results for 2025, a landmark 00:00:53.463 -- 00:00:58.631 year for our company. I'm going to spend some time outlining the macroeconomic backdrop 00:00:58.631 -- 00:01:03.999 and giving an overview of the progress on our 23 to 26 strategy 00:01:03.999 -- 00:01:09.027 before handing over to Donal, our CFO, who will bring us through the details of 00:01:09.027 -- 00:01:11.668 our financial performance. 00:01:14.163 -- 00:01:19.210 2025 was another year of successful delivery by AIB 00:01:19.210 -- 00:01:23.896 Group against our strategic objectives, priorities and targets. 00:01:23.896 -- 00:01:29.023 We're pleased to be delivering a profit after tax of over €2.1 billion, representing 00:01:29.023 -- 00:01:31.726 a roti of 25%. In 00:01:31.726 -- 00:01:36.613 a looser monetary policy environment, our NII remained resilient, coming in ahead of 00:01:36.613 -- 00:01:38.896 expectations of €3.75 00:01:38.896 -- 00:01:40.893 billion. 00:01:40.893 -- 00:01:45.059 The strength of our financial performance and ...