AIB Group plc (AIBG) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

In life, you've around 29,000 days. Go after everyone. Don't live in the someday. Because life isn't measured in years, but in moments. Where in the hush of a breath, You reach out into the unknown and go for the life you really want. At AIB, we're here to help you get those moments. Go after everyone. AIB. For the life you're after. Good morning and welcome to the presentation of AIB Group's results for 2025, a landmark year for our company. I'm going to spend some time outlining the macroeconomic backdrop and giving an overview of the progress on our 23 to 26 strategy before handing over to Donal, our CFO, who will bring us through the details of our financial performance. 2025 was another year of successful delivery by AIB Group against our strategic objectives, priorities and targets. We're pleased to be delivering a profit after tax of over €2.1 billion, representing a roti of 25%. In a looser monetary policy environment, our NII remained resilient, coming in ahead of expectations of €3.75 billion. The strength of our financial performance and the scale of organic capital generation allowed us to grow our business, to invest in our business and to propose total distributions of 2.25 billion euro, a payout ratio of 105%, while still delivering an exceptionally strong capital outturn with CET1 ending the year at 16.2%. And 2025 was the year that AIB returned to full private ownership, having returned a cumulative circa 21 billion euro to the Irish state. So it was a landmark year, a year of progress and closure, a year that positions us to build an ever better, ever stronger, trusted AIB in the interests of all our stakeholders and the economies and the communities that we serve. We remain resolutely committed to the sustainability agenda, an agenda that sits at t...