PERMANENT TSB GROUP HOLDINGS PUBLIC LIMITED COMPANY financials
PERMANENT TSB GROUP HOLDINGS PUBLIC LIMITED COMPANY
Country: GB Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
635400DTNHVYGZODKQ93 Financial statements
(EUR, as reported — unscaled; 116 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €566.0M | €545.0M |
| Profit before tax | €128.0M | €159.0M |
| Income tax expense | €14.0M | -€3.0M |
| Profit for the year | €114.0M | €162.0M |
| — attributable to owners | €71.0M | €119.0M |
| — attributable to NCI | €43.0M | €43.0M |
| Total comprehensive income | €117.0M | €158.0M |
| Per share | ||
| Basic EPS | €0.13 | €0.22 |
| Diluted EPS | €0.13 | €0.22 |
| Free cash flow / share | €0.71 | €1.70 |
| Cash flow statement | ||
| Cash generated from operations | €635.0M | €1.29B |
| Net cash from operating activities | €633.0M | €1.28B |
| Income taxes paid | €2.0M | €4.0M |
| Net cash from investing activities | -€1.03B | -€1.09B |
| Purchase of PP&E (capex) | €9.0M | €15.0M |
| Purchase of intangibles | €31.0M | €26.0M |
| Net cash from financing activities | -€83.0M | -€61.0M |
| Lease liability payments | €6.0M | €7.0M |
| Balance sheet | ||
| Total assets | €30.46B | €28.93B |
| Property, plant & equipment | €189.0M | €183.0M |
| Cash & equivalents | €1.82B | €2.30B |
| Total equity | €2.48B | €2.53B |
| — attributable to owners | €2.24B | €2.16B |
| Derived metrics | ||
| Free cash flow | €624.0M | €1.27B |
| Return on equity | 4.6% | 6.4% |
| Cash conversion ratio | 5.55× | 7.91× |
| Capex coverage | 70.33× | 85.47× |
| Other reported items | ||
| Accruals | €12.0M | €12.0M |
| Adjustments For Decrease Increase In Derivative Financial Assets | €26.0M | -€13.0M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€898.0M | -€26.0M |
| Adjustments For Decrease Increase In Other Assets | €3.0M | €67.0M |
| Adjustments For Decrease Increase In Trade and Other Receivables | -€99.0M | €13.0M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €84.0M | €91.0M |
| Adjustments For Gains Losses On Disposal of Financial Assets | €3.0M | €0 |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances | -€39.0M | -€32.0M |
| Adjustments For Increase Decrease In Deposits From Banks | -€4.0M | -€316.0M |
| Adjustments For Increase Decrease In Deposits From Customers | €1.29B | €1.01B |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | €1.0M | -€1.0M |
| Adjustments For Increase Decrease In Other Liabilities | -€97.0M | €99.0M |
| Adjustments For Increase In Other Provisions Arising From Passage of Time | €63.0M | €10.0M |
| Adjustments For Interest Income | -€189.0M | -€221.0M |
| Adjustments For Provisions | -€45.0M | -€8.0M |
| Amortisation Intangible Assets Other Than Goodwill | €57.0M | €62.0M |
| Balances With Banks | €75.0M | €72.0M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €397.0M | €455.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €43.0M | €43.0M |
| Comprehensive Income Attributable To Owners of Parent | €74.0M | €115.0M |
| Current Tax Assets | €0 | €2.0M |
| Debt Instruments Held | €5.36B | €4.33B |
| Debt Securities | €1.72B | €1.73B |
| Deferred Tax Assets | €304.0M | €316.0M |
| Deposits From Banks | €104.0M | €105.0M |
| Deposits From Customers | €25.60B | €24.12B |
| Depreciation Property Plant and Equipment | €27.0M | €29.0M |
| Derivative Financial Assets | €24.0M | €59.0M |
| Derivative Financial Liabilities | €4.0M | €0 |
| Distribution and Administrative Expense | €415.0M | €419.0M |
| Dividends Paid Classified As Operating Activities | €43.0M | €43.0M |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €0 | €2.0M |
| Equity and Liabilities | €30.46B | €28.93B |
| Equity Instruments Held | €1.0M | €9.0M |
| Expense of Restructuring Activities | €42.0M | €2.0M |
| Fee and Commission Expense | €46.0M | €43.0M |
| Fee and Commission Income | €104.0M | €98.0M |
| Fee and Commission Income Expense | €58.0M | €55.0M |
| Gains On Disposals of Property Plant and Equipment | €0 | — |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | -€39.0M | -€32.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €0 | €1.0M |
| Increase Decrease In Allowance Account For Credit Losses of Financial Assets | €39.0M | €30.0M |
| Increase Decrease In Cash and Cash Equivalents | -€478.0M | €135.0M |
| Increase Decrease In Credit Derivative Fair Value | -€3.0M | — |
| Increase Decrease In Working Capital | €238.0M | €831.0M |
| Increase Decrease Through Transactions With Owners | -€168.0M | -€45.0M |
| Increase Decrease Through Treasury Share Transactions | €0 | — |
| Intangible Assets Other Than Goodwill | €263.0M | €213.0M |
| Interest Expense | €288.0M | €287.0M |
| Interest Income On Other Financial Assets | €30.0M | €29.0M |
| Interest Paid Classified As Financing Activities | €11.0M | €8.0M |
| Interest Paid Classified As Operating Activities | €286.0M | €244.0M |
| Interest Received Classified As Operating Activities | €920.0M | €965.0M |
| Interest Revenue Calculated Using Effective Interest Method | €848.0M | €870.0M |
| Interest Revenue Expense | €590.0M | €612.0M |
| Investments In Associates | €32.0M | €21.0M |
| Issued Capital | €272.0M | €272.0M |
| Items In Course of Collection From Other Banks | €25.0M | €23.0M |
| Liabilities | €27.98B | €26.40B |
| Liabilities Arising From Financing Activities | €378.0M | €286.0M |
| Loans and Advances To Banks | €1.72B | €2.20B |
| Loans and Advances To Customers | €22.25B | €21.42B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €5.0M | €12.0M |
| Other Adjustments For Noncash Items | -€94.0M | -€63.0M |
| Other Assets | €51.0M | €7.0M |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €8.0M | €0 |
| Other Comprehensive Income | €3.0M | -€4.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €0 | €4.0M |
| Other Comprehensive Income Before Tax Gains Losses On Revaluation | €4.0M | -€11.0M |
| Other Equity Interest | €245.0M | €368.0M |
| Other Inflows Outflows of Cash Classified As Operating Activities | -€1.0M | -€1.0M |
| Other Liabilities | €131.0M | €129.0M |
| Other Operating Income Expense | €2.0M | €3.0M |
| Other Reserves | -€818.0M | -€813.0M |
| Payments of Other Equity Instruments | €43.0M | €43.0M |
| Prepayments and Accrued Income Including Contract Assets | €168.0M | €63.0M |
| Proceeds From Sales of Investments Other Than Investments Accounted For Using Equity Method | €281.0M | €170.0M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €4.0M | €0 |
| Provisions | €64.0M | €46.0M |
| Purchase of Financial Instruments Classified As Investing Activities | €1.27B | €1.21B |
| Purchase of Interests In Investments Accounted For Using Equity Method | €10.0M | €3.0M |
| Purchase of Treasury Shares | — | €2.0M |
| Repayments of Subordinated Liabilities | €0 | €0 |
| Retained Earnings | €1.98B | €1.90B |
| Revenue and Operating Income | €655.0M | €672.0M |
| Revenue From Interest | €878.0M | €899.0M |
| Share Premium | €804.0M | €804.0M |
| Subordinated Liabilities | €347.0M | €257.0M |
| Trading Income Expense | €5.0M | €2.0M |
Methodology
Every line item above is a fact tagged in PERMANENT TSB GROUP HOLDINGS 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.