AIB GROUP PUBLIC LIMITED COMPANY financials
AIB GROUP PUBLIC LIMITED COMPANY
Country: GB Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
635400AKJBGNS5WNQL34 Financial statements
(EUR, as reported — unscaled; 110 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | €4.51B | €4.93B |
| Other income | €763.0M | €799.0M |
| Operating expenses | €2.11B | €2.19B |
| Operating profit (EBIT) | €2.23B | €2.68B |
| Profit before tax | €2.40B | €2.70B |
| Income tax expense | €260.0M | €351.0M |
| Profit for the year | €2.14B | €2.35B |
| — attributable to owners | €2.14B | €2.35B |
| — attributable to NCI | -€2.0M | -€3.0M |
| Total comprehensive income | €2.00B | €2.52B |
| Cash flow statement | ||
| Net cash from operating activities | €8.60B | €3.42B |
| Net cash from investing activities | -€3.15B | -€1.10B |
| Purchase of PP&E (capex) | €59.0M | €25.0M |
| Purchase of intangibles | €276.0M | €232.0M |
| Net cash from financing activities | -€2.62B | -€3.25B |
| Dividends paid | €1.12B | €696.0M |
| Repayments of borrowings | €770.0M | €0 |
| Lease liability payments | €30.0M | €34.0M |
| Net change in cash | €2.84B | -€928.0M |
| Balance sheet | ||
| Total assets | €148.15B | €141.27B |
| Intangible assets & goodwill | €987.0M | €934.0M |
| Cash & equivalents | €40.88B | €38.33B |
| Total equity | €14.69B | €15.43B |
| Non-controlling interests | -€11.0M | -€9.0M |
| Deferred tax liabilities | €17.0M | €14.0M |
| Derived metrics | ||
| Free cash flow | €8.54B | €3.40B |
| Operating margin | 49.3% | 54.3% |
| Net margin | 47.4% | 47.7% |
| Return on equity | 14.6% | 15.2% |
| Cash conversion ratio | 4.02× | 1.46× |
| Capex coverage | 145.81× | 137.00× |
| Other reported items | ||
| Assets of Benefit Plan | €19.0M | €31.0M |
| Basic Earnings Loss Per Share From Continuing Operations | €0.93 | €0.93 |
| Cash and Bank Balances At Central Banks | €40.57B | €37.31B |
| Comprehensive Income Attributable To Noncontrolling Interests | -€2.0M | -€3.0M |
| Comprehensive Income Attributable To Owners of Parent | €2.00B | €2.52B |
| Current Tax Assets | €1.0M | €21.0M |
| Current Tax Liabilities | €9.0M | €2.0M |
| Debt Securities | €8.18B | €8.83B |
| Deferred Tax Assets | €2.07B | €2.30B |
| Deposits From Banks | €156.0M | €836.0M |
| Deposits From Customers | €117.67B | €109.88B |
| Derivative Financial Assets | €1.64B | €2.14B |
| Derivative Financial Liabilities | €1.41B | €1.81B |
| Diluted Earnings Loss Per Share From Continuing Operations | €0.93 | €0.93 |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €85.0M | €80.0M |
| Dividends Received From Associates Classified As Investing Activities | €0 | €25.0M |
| Dividends Recognised As Distributions To Owners of Parent | €1.12B | €696.0M |
| Dividends Recognised As Distributions To Owners Per Share | €0.12 | €0.37 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€287.0M | €214.0M |
| Equity and Liabilities | €148.15B | €141.27B |
| Fee and Commission Expense | €139.0M | €164.0M |
| Fee and Commission Income | €831.0M | €845.0M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €286.0M | €136.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €525.0M | €262.0M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €8.0M | €2.0M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss | €48.0M | €82.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €172.0M | €55.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €25.0M | €62.0M |
| Increase Decrease Through Exercise of Warrants Equity | -€393.0M | €0 |
| Increase Decrease Through Other Distributions To Owners | €85.0M | €80.0M |
| Increase Decrease Through Transactions With Owners | -€2.73B | -€2.16B |
| Increase Decrease Through Transfers and Other Changes Equity | €1.0M | €0 |
| Interest Expense | €1.18B | €1.25B |
| Interest Income On Other Financial Assets | €103.0M | €103.0M |
| Interest Paid Classified As Operating Activities | €637.0M | €466.0M |
| Interest Received Classified As Operating Activities | €4.88B | €5.35B |
| Interest Revenue Calculated Using Effective Interest Method | €4.83B | €5.27B |
| Interest Revenue Expense | €3.75B | €4.13B |
| Investment Accounted For Using Equity Method | €196.0M | €348.0M |
| Issue of Equity | €694.0M | €620.0M |
| Issued Capital | €1.33B | €1.46B |
| Lease Liabilities | €241.0M | €258.0M |
| Liabilities | €133.46B | €125.84B |
| Liabilities Other Than Actuarial Present Value of Promised Retirement Benefits | €7.0M | €9.0M |
| Loans and Advances To Banks | €601.0M | €1.32B |
| Loans and Advances To Customers | €71.20B | €69.89B |
| Losses On Disposals of Investments | €0 | €2.0M |
| Other Adjustments For Noncash Items | €632.0M | €1.02B |
| Other Assets | €591.0M | €475.0M |
| Other Comprehensive Income | -€143.0M | €166.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | -€200.0M | €167.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€80.0M | €69.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €153.0M | -€57.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€16.0M | -€13.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€127.0M | €179.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€16.0M | -€13.0M |
| Other Equity Interest | €1.31B | €1.24B |
| Other Liabilities | €1.23B | €1.11B |
| Other Operating Income Expense | €6.0M | -€16.0M |
| Payments of Other Equity Instruments | €625.0M | €501.0M |
| Payments To Acquire Or Redeem Entitys Shares | €1.20B | €1.50B |
| Prepayments and Accrued Income Other Than Contract Assets | €580.0M | €522.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €1.48B | €923.0M |
| Proceeds From Issue of Subordinated Liabilities | €1.00B | €650.0M |
| Proceeds From Issuing Other Equity Instruments | €694.0M | €620.0M |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €340.0M | €0 |
| Proceeds From Sales of Investments Other Than Investments Accounted For Using Equity Method | €2.24B | €3.24B |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €1.0M | €5.0M |
| Property Plant and Equipment Including Rightofuse Assets | €517.0M | €516.0M |
| Provisions | €138.0M | €203.0M |
| Purchase of Financial Instruments Classified As Investing Activities | €5.36B | €4.08B |
| Purchase of Interests In Investments Accounted For Using Equity Method | €34.0M | €37.0M |
| Purchase of Treasury Shares | €1.20B | €1.50B |
| Repayments of Subordinated Liabilities | €1.0M | €565.0M |
| Repurchase Agreements and Cash Collateral On Securities Lent | €682.0M | €196.0M |
| Revenue From Interest | €4.93B | €5.38B |
| Reverse Repurchase Agreements and Cash Collateral On Securities Borrowed | €7.34B | €6.64B |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €174.0M | €26.0M |
| Trading Income Expense | €9.0M | €50.0M |
Methodology
Every line item above is a fact tagged in AIB GROUP PUBLIC LIMITED COMPANY's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.