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The latest announcement is out from permanent tsb Group Holdings ( (GB:PTSB) ).
Permanent TSB has secured approval from the Central Bank of Ireland to implement new internal ratings-based (IRB) mortgage models, which will lower the risk weighting on its residential mortgage portfolio and reduce total risk-weighted assets by about €0.7 billion on a pro-forma basis as of June 2025. The change lifts the bank’s pro-forma CET1 ratio from 15.5% to 16.6%, releasing around €0.1 billion in capital, and is expected to materially reduce the capital intensity of new mortgage lending, allowing the bank to raise its medium-term return on tangible equity targets to above 10% in 2027 and about 13% in 2028. Management will reassess its internal capital planning and medium-term strategy in light of this one-off capital benefit and enhanced capital generation, while confirming that the expected final dividend from 2025 earnings remains unaffected, underscoring stronger capital resilience and an improved platform for growth in the Irish mortgage market.
More about permanent tsb Group Holdings
Permanent TSB Group Holdings plc is an Irish retail and SME bank focused on residential mortgage lending and everyday banking services in the domestic market. The group positions itself as a key competitive player in Ireland’s banking sector, with a strategy centred on prudent credit risk management, balance sheet strength and delivering sustainable returns to shareholders.
See more data about PTSB stock on TipRanks’ Stock Analysis page.