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AIB Group (GB:AIBG)
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AIB Group (AIBG) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jul 31, 2026
TBA (Confirmed)
Period Ending
2026 (Q2)
Consensus EPS Forecast
0.34
Last Year’s EPS
0.34
Same Quarter Last Year
Analyst Consensus
Moderate Buy
Based on 3 Analysts Ratings

Earnings Call Summary

Q4 2025
Earnings Call Date:Mar 04, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call portrays a strong overall performance in 2025 with robust profitability (RoTE 25%), exceptionally strong organic capital generation, healthy deposit growth, resilient loan growth and substantial progress on green lending and wealth businesses. Headwinds include an 8% decline in total income driven by NII compression, weaker new mortgage volumes and some volatility/credit provisioning in specific wholesale portfolios (notably fiber within Climate & Infrastructure Capital). Management has clear mitigation plans: active balance-sheet hedging, increased strategic investment (EUR 400m), targeted RWA optimization (SRTs/IRB adoption) and conservative provisioning guidance. On balance, the positive operational, capital and funding outcomes materially outweigh the manageable challenges and uncertainties raised.
Company Guidance
Management guided 2026 NII of circa €3.8bn and other income >€750m, with costs expected to rise c.2% as investment spend increases to €400m; loan growth is targeted at ~5% (5% medium‑term lending CAGR to 2027) and deposits are expected to grow 2–3%, supporting a return on tangible equity >20%. They expect a cost of risk of 20–30 basis points (to be narrowed through the year), assume an ECB deposit rate of 2% with a 20% deposit beta, and estimate bank levies/regulatory fees around €140m for 2026. Balance‑sheet and hedging metrics underpinning the guidance include structural hedges that have cut NII sensitivity to a 100bp shock from €378m to €286m (an additional €10bn of hedges executed at ~2.3% avg yield and a planned ~5‑year hedge duration, with €6bn of swaps maturing in both 2026 and 2027), c.€21bn of fixed‑rate mortgages (3.1% yield, 1.9yr WAL), and liquidity/capital buffers (2025 LDR 61%, LCR 204%, NSFR 163%, MREL 35.2%); the group retains a medium‑term CET1 ambition >14% supported by expected sustainable organic capital generation (>320bps) and DTA benefits.
Strong Profitability and Returns
Profit after tax of over EUR 2.1 billion in 2025, return on tangible equity (RoTE) of 25% and return on assets of 1.4%; earnings per share EUR 0.933.
Net Interest Income Resilience and 2026 Guidance
Net interest income (NII) of EUR 3.748 billion in 2025 (reported as EUR 3.75bn), ahead of expectations despite rate moves; management guidance for NII circa EUR 3.8 billion in 2026.
Strong Capital Position and Organic Generation
Common Equity Tier 1 (CET1) ratio ended 2025 at 16.2%, supported by very strong organic capital generation of 370 basis points during the year.
Material Shareholder Distributions
Total distributions proposed for 2025 of EUR 2.25 billion (105% payout ratio), including interim EUR 263 million paid, proposed final ordinary cash dividend EUR 988 million, and an on-market buyback of EUR 1 billion underway.
Deposit and Funding Strength
Customer deposits of EUR 117.2 billion, up 7% year-on-year; liquidity metrics strong with loan-to-deposit ratio (LDR) 61%, liquidity coverage ratio (LCR) 204% and net stable funding ratio (NSFR) 163%.
Lending Momentum and Loan Book Growth
Gross loans around EUR 72.3 billion (up ~2–3% underlying) with EUR 14.7 billion of new lending (up 2% year-on-year); medium-term lending growth target a 5% CAGR out to end-2027.
Wealth & ESG Progress
Assets under management (AUM) now EUR 18.3 billion (Goodbody EUR 15.3bn, AIB Life EUR 3.0bn). AIB Life AUM grew 20% in 2025; Goodbody AUM grew 7%. Almost EUR 23 billion of green/transition lending deployed since 2019; EUR 6.3 billion of new green/transition lending in 2025 (43% of all new lending).
Operational Resilience and Digital Adoption
Level 1 service availability at 99.99% in 2025, zero critical cyber incidents, ABBYY digital assistant engaged >1.3 million customers since launch with 80% of callers choosing to continue with ABBYY; FTEs reduced 3% supporting cost discipline.
Asset Quality Metrics
Non-performing exposures (NPEs) at 2.2% of gross loans (lowest in years); expected 2026 cost-of-risk guidance of 20–30 basis points; 2025 ECL charge EUR 172 million representing a 24 bps cost of risk and ECL cover around 1.6%.

AIB Group (GB:AIBG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
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GB:AIBG Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jul 31, 2026
2026 (Q2)
0.34 / -
0.338―――
Mar 04, 2026
2025 (Q4)
0.34 / 0.80
0.43386.00% (+0.37)
Aug 01, 2025
2025 (Q2)
0.33 / 0.34
0.364-7.14% (-0.03)
Mar 05, 2025
2024 (Q4)
0.36 / 0.43
0.39310.13% (+0.04)
Aug 02, 2024
2024 (Q2)
0.35 / 0.36
0.28627.27% (+0.08)
Mar 06, 2024
2023 (Q4)
0.36 / 0.39
0.102284.75% (+0.29)
Jul 28, 2023
2023 (Q2)
0.25 / 0.29
0.19248.65% (+0.09)
Mar 08, 2023
2022 (Q4)
0.07 / 0.10
0.156-34.44% (-0.05)
Jul 29, 2022
2022 (Q2)
0.10 / 0.19
0.10877.60% (+0.08)――
Mar 03, 2022
2021 (Q4)
0.10 / 0.16
0―――
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

GB:AIBG Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Mar 04, 2026
738.00 p758.00 p+2.71%
Aug 01, 2025
597.71 p564.28 p-5.59%
Mar 05, 2025
510.87 p543.26 p+6.34%
Aug 02, 2024
397.50 p391.94 p-1.40%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does AIB Group (GB:AIBG) report earnings?
AIB Group (GB:AIBG) is schdueled to report earning on Jul 31, 2026, TBA (Confirmed).
    What is AIB Group (GB:AIBG) earnings time?
    AIB Group (GB:AIBG) earnings time is at Jul 31, 2026, TBA (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is the P/E ratio of AIB Group stock?
          The P/E ratio of AIB Group is N/A.
            What is GB:AIBG EPS forecast?
            GB:AIBG EPS forecast for the fiscal quarter 2026 (Q2) is 0.34.