REG - AIB Group PLC - AIB Group plc completes SRT

AIBAnnouncement

18/12/2025 14:00

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RNS Number : 1664M  AIB Group PLC  18 December 2025

      18 December 2025

 

AIB Group plc completes significant risk transfer; Pillar 2 Requirement
unchanged

 

AIB Group plc ("AIB") has successfully completed its second significant risk
transfer (SRT) on a portfolio of residential mortgage assets totalling c.
€2bn. This transaction forms part of AIB's previously outlined multi-year,
multi-asset SRT programme and follows the inaugural SRT transaction completed
in November 2024. The completion of this SRT delivers a positive initial CET1
impact of c. 25bps driven by a reduction in RWAs of c. €800m.

At the end of September, AIB's CET1 ratio was 16.6% ((1)). In October 2025 AIB
announced the cancellation of Warrants held by the Minister for Finance with a
resulting CET1 reduction of c. 70bps. This reduction together with the SRT
benefit, results in a September pro-forma CET1 of c. 16.15%.

Following the Supervisory Review and Evaluation Process (SREP) performed by
the ECB in 2025, AIB confirms its Pillar 2 Requirement remains unchanged at
2.40% for 2026. AIB remains strongly capitalised and comfortably ahead of its
2026 CET1 minimum regulatory requirement of 11.30%.

Donal Galvin, Chief Financial Officer at AIB, commented: "The reduction of
risk weighted assets through the execution of this SRT enhances capital
efficiency and generates a CET1 benefit of c. 25bps. AIB remains strongly
capitalised and comfortably ahead of minimum capital requirements."

-ENDS-

((1)) In accordance with ECB guidance and under Article 26(2), year to date
profits for the nine months to September of c. +250bps have not been
recognised in the September regulatory reported CET1 of 16.6%

 

For further information, please contact:

 Bernie Glynn                                                  Paddy McDonnell
 Investor Relations                                            Media Relations
 AIB Group                                                     AIB Group
 Tel: +353 879195707                                           Tel: +353 877390743
 Email : bernie.a.glynn@aib.ie (mailto:bernie.a.glynn@aib.ie)  Email: paddy.x.mcdonnell@aib.ie (mailto:paddy.x.mcdonnell@aib.ie)

 

Forward-Looking Statements

This document contains certain forward looking statements with respect to the
financial condition, results of operations and business of AIB Group and
certain of the plans and objectives of the Group. These forward looking
statements can be identified by the fact that they do not relate only to
historical or current facts. Forward looking statements sometimes use words
such as 'aim', 'anticipate', 'target', 'expect', 'estimate', 'intend', 'plan',
'goal', 'believe', 'may', 'could', 'will', 'seek', 'continue', 'should',
'assume', or other words of similar meaning. Examples of forward looking
statements include, among others, statements regarding the Group's future
financial position, capital structure, income growth, loan losses, business
strategy, projected costs, capital ratios, estimates of capital expenditures,
and plans and objectives for future operations. Because such statements are
inherently subject to risks and uncertainties, actual results may differ
materially from those expressed or implied by such forward looking
information. By their nature, forward looking statements involve risk and
uncertainty because they relate to events and depend on circumstances that
will occur in the future. There are a number of factors that could cause
actual results and developments to differ materially from those expressed or
implied by these forward looking statements. These are set out in the
Principal risks on pages 17 to 20 in the 2024 Annual Financial Report and
updated on page 30 of the Half-Year Financial Report 2025. In addition to
matters relating to the Group's business, future performance will be impacted
by the Group's ability along with governments and other stakeholders to
measure, manage and mitigate the impacts of climate change effectively. Future
performance could also be impacted by macroeconomic uncertainty, tariffs,
geopolitical tensions and global conflict. Any forward looking statements made
by or on behalf of the Group speak only as of the date they are made. The
Group cautions that the list of important factors on pages 17 to 20 of the
2024 Annual Financial Report and updated on page 30 of the Half-Year Financial
Report 2025 is not exhaustive. Investors and others should carefully consider
the foregoing factors and other uncertainties and events when making an
investment decision based on any forward looking statement.

 

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