Income Statement AIB Group plc

Stocks

A5G

IE00BF0L3536

Banks

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06-11	Fitch Affirms Permanent TSB's Long-term Rating on Strong Liquidity; Outlook Stable	MT
05-27	Cautious recovery underway in Irish commercial property market, regulator says	RE

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Published financial data: AIB GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2B	2.43B	4.55B	5.27B	4.83B
Interest Income On Investments	84M	82M	96M	103M	103M
Interest Income, Total	2.09B	2.51B	4.64B	5.38B	4.93B
Interest On Deposits	290M	353M	804M	1.25B	1.18B
Interest Expense, Total	290M	353M	804M	1.25B	1.18B
Net Interest Income	1.8B	2.16B	3.84B	4.13B	3.75B
Income From Trading Activities	15M	36M	210M	50M	9M
Gain (Loss) on Sale of Loans	1M	18M	-9M	2M	8M
Gain (Loss) on Sale of Assets	-3M	-	-26M	-1M	7M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	96M	95M	8M	5M	-28M
Total Other Non Interest Income	470M	603M	672M	722M	767M
Non Interest Income, Total	579M	752M	855M	778M	763M
Revenues Before Provison For Loan Losses	2.38B	2.91B	4.7B	4.91B	4.51B
Provision For Loan Losses	-238M	7M	172M	55M	172M
Total Revenues	2.61B	2.91B	4.52B	4.85B	4.34B
Amort. of Goodwill & Intang. Assets	197M	218M	220M	222M	219M
Occupancy Expense	87M	77M	74M	73M	69M
Selling General & Admin Expenses, Total	1.34B	1.47B	1.71B	1.81B	1.82B
(Income) Loss on Equity Invest.	-21M	-37M	-12M	-26M	-174M
Total Other Non Interest Expense	-	-	-	-	-
Non Interest Expense, Total	1.61B	1.73B	1.99B	2.08B	1.93B
EBT, Excl. Unusual Items	1.01B	1.18B	2.53B	2.78B	2.41B
Restructuring Charges	-122M	-75M	-10M	-4M	-16M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-43M	-46M	-1M	-6M	-3M
Legal Settlements	-26M	-3M	-7M	-2M	2M
Other Unusual Items	-188M	-174M	-121M	-63M	8M
EBT, Incl. Unusual Items	629M	880M	2.39B	2.7B	2.4B
Income Tax Expense	-16M	115M	336M	351M	260M
Earnings From Continuing Operations	645M	765M	2.06B	2.35B	2.14B
Net Income to Company	645M	765M	2.06B	2.35B	2.14B
Minority Interest	2M	2M	3M	3M	2M
Net Income - (IS)	647M	767M	2.06B	2.35B	2.14B
Preferred Dividend and Other Adjustments	65M	65M	65M	80M	85M
Net Income to Common Incl Extra Items	582M	702M	2B	2.27B	2.06B
Net Income to Common Excl. Extra Items	582M	702M	2B	2.27B	2.06B
Per Share Items
Net EPS - Basic	0.21	0.26	0.76	0.92	0.93
Basic EPS - Continuing Operations	0.21	0.26	0.76	0.92	0.93
Basic Weighted Average Shares Outstanding	2.71B	2.69B	2.64B	2.46B	2.2B
Net EPS - Diluted	0.21	0.26	0.76	0.92	0.93
Diluted EPS - Continuing Operations	0.21	0.26	0.76	0.92	0.93
Diluted Weighted Average Shares Outstanding	2.71B	2.69B	2.64B	2.46B	2.2B
Normalized Basic EPS	0.23	0.27	0.6	0.71	0.68
Normalized Diluted EPS	0.23	0.27	0.6	0.71	0.68
Dividend Per Share	0.04	0.06	0.27	0.37	0.59
Payout Ratio	10.05	24.38	11.21	32.97	56.47
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	-2.54	13.07	14.04	12.99	10.84
Current Domestic Taxes	5M	6M	6M	7M	8M
Current Foreign Taxes	13M	27M	71M	53M	44M
Total Current Taxes	18M	33M	77M	60M	52M
Total Deferred Taxes	-34M	82M	259M	291M	208M
Normalized Net Income	632M	738M	1.59B	1.74B	1.51B
Non-Cash Pension Expense	3M	4M	5M	3M	7M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	43.19B	39.05B	38.78B	38.08B	40.64B
Investment Securities, Total	18.13B	19.36B	21.46B	22.68B	26.2B
Trading Asset Securities, Total	852M	2.52B	2.47B	2.28B	1.93B
Mortgage Backed Securities	428M	-	-	-	-
Total investments	19.41B	21.88B	23.93B	24.96B	28.12B
Gross Loans	58.93B	61.68B	67.46B	71.69B	72.8B
Allowance For Loan Losses	-1.88B	-1.62B	-1.52B	-1.34B	-1.14B
Other Adjustments to Gross Loans	-116M	-121M	-142M	-151M	-160M
Net Loans	56.93B	59.94B	65.8B	70.2B	71.5B
Gross Property Plant And Equipment	1.2B	1.08B	1.16B	1.12B	1.06B
Accumulated Depreciation	-572M	-545M	-598M	-606M	-543M
Net Property Plant And Equipment	631M	536M	558M	516M	517M
Goodwill	120M	120M	128M	128M	128M
Other Intangibles, Total	876M	820M	797M	806M	859M
Other Receivables	451M	114M	152M	165M	336M
Restricted Cash	365M	266M	264M	247M	236M
Other Current Assets, Total	432M	423M	540M	522M	580M
Deferred Tax Assets Long-Term (Collected)	2.83B	3.03B	2.58B	2.3B	2.07B
Other Long-Term Assets, Total	2.63B	3.58B	2.82B	3.34B	3.16B
Total Assets	128B	130B	136B	141B	148B
Liabilities
Accrued Expenses, Total	284M	377M	607M	735M	740M
Interest Bearing Deposits	51.7B	43.09B	46.14B	51.43B	56.72B
Non-Interest Bearing Deposits	41.17B	59.27B	58.64B	58.45B	60.95B
Total Deposits	92.87B	102B	105B	110B	118B
Short-Term Borrowings	1.18B	3.9B	2.5B	2.93B	2.81B
Current Portion of Long-Term Debt	756M	1.59B	2.21B	1.3B	134M
Current Portion of Leases	52M	39M	43M	41M	41M
Long-Term Debt	16.92B	7.51B	9.45B	9.13B	9.93B
Long-Term Leases	294M	218M	239M	217M	200M
Current Income Taxes Payable	10M	1M	1M	2M	9M
Other Current Liabilities - (Bank / Utility Template)	777M	723M	875M	1.12B	1.47B
Pension & Other Post Retirement Benefits	54M	16M	14M	9M	7M
Deferred Tax Liability Non-Current	53M	30M	23M	14M	17M
Other Non Current Liabilities	961M	727M	543M	457M	426M
Total Liabilities	114B	117B	121B	126B	133B
Common Stock, Total	1.7B	1.67B	1.64B	1.46B	1.34B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	13.52B	14B	15.62B	15.68B	14.99B
Comprehensive Income and Other	-1.56B	-3.41B	-2.18B	-1.7B	-1.63B
Total Common Equity	13.66B	12.26B	15.08B	15.44B	14.7B
Minority Interest	-1M	-3M	-6M	-9M	-11M
Total Equity	13.66B	12.26B	15.07B	15.43B	14.69B
Total Liabilities And Equity	128B	130B	136B	141B	148B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.71B	2.67B	2.62B	2.33B	2.14B
ECS Total Common Shares Outstanding	2.71B	2.67B	2.62B	2.33B	2.14B
Book Value / Share	5.03	4.59	5.76	6.63	6.88
Tangible Book Value	12.66B	11.32B	14.15B	14.5B	13.72B
Tangible Book Value Per Share	4.67	4.24	5.4	6.23	6.42
Average Assets	120B	132B	132B	138B	145B
Average Loans	95.72B	108B	107B	112B	71.13B
Total Debt	19.21B	13.26B	14.44B	13.62B	13.12B
Deposits at Interest - Cash	43.01B	38.74B	38.44B	37.66B	40.23B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-735M	-604M	-667M	-636M	-763M
Net Debt	-26.3B	-31.23B	-30.61B	-30.3B	-33.9B
Equity Method Investments, Total	127M	173M	310M	348M	196M
Full Time Employees	8.92K	9.59K	10.55K	10.47K	10.21K
Number Of Offices	-	-	-	236	236

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	647M	767M	2.06B	2.35B	2.14B
Depreciation, Depletion & Amortization	87M	77M	74M	73M	69M
Amortization of Goodwill and Intangible Assets - (CF)	6M	6M	6M	6M	5M
Total Depreciation, Depletion & Amortization	93M	83M	80M	79M	74M
Amortization of Deferred Charges, Total	191M	212M	214M	216M	214M
Gain (Loss) on Sale of Loans & Receivables - (CF)	12M	16M	14M	3M	-
(Gain) Loss On Sale of Asset - (CF)	3M	1M	24M	2M	-
(Gain) Loss on Sale of Investments - (CF)	-15M	-53M	39M	-14M	-29M
Total Asset Writedown	43M	46M	1M	6M	3M
Provision for Credit Losses	-163M	52M	199M	87M	198M
(Income) Loss On Equity Investments - (CF)	-24M	-37M	-12M	-26M	-174M
Change in Trading Asset Securities	1M	-149M	-117M	6M	-160M
Change in Other Net Operating Assets (Collected)	-2.75B	-5.66B	-7.56B	-3.81B	-2.02B
Other Operating Activities	125M	86M	687M	956M	579M
Cash from Operations	-1.84B	-4.64B	-4.37B	-145M	823M
Capital Expenditure	-31M	-32M	-34M	-25M	-59M
Sale of Property, Plant, and Equipment	10M	10M	7M	5M	1M
Cash Acquisitions	-60M	-	-14M	-	-
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-204M	-174M	-198M	-232M	-276M
Investment in Marketable and Equity Securities, Total	2.4B	-1.14B	-611M	-852M	-2.82B
Cash from Investing	2.12B	-1.33B	-850M	-1.1B	-3.15B
Long-Term Debt Issued, Total	750M	3.23B	2.43B	1.57B	2.48B
Total Debt Issued	750M	3.23B	2.43B	1.57B	2.48B
Long-Term Debt Repaid, Total	-43M	-933M	-417M	-2.28B	-1.95B
Total Debt Repaid	-43M	-933M	-417M	-2.28B	-1.95B
Issuance of Common Stock	-	-	-	620M	694M
Repurchase of Common Stock	-	-91M	-215M	-2B	-1.82B
Common Dividends Paid	-65M	-187M	-231M	-776M	-1.21B
Common & Preferred Stock Dividends Paid	-65M	-187M	-231M	-776M	-1.21B
Net Increase (Decrease) in Deposit Accounts - (CF)	15.78B	193M	3.54B	3.57B	7.78B
Other Financing Activities, Total	-125M	-146M	-242M	-384M	-802M
Cash from Financing	16.3B	2.07B	4.86B	321M	5.16B
Foreign Exchange Rate Adjustments	419M	-336M	87M	214M	-287M
Net Change in Cash	17B	-4.24B	-275M	-714M	2.55B
Supplemental Items
Cash Interest Paid	125M	146M	379M	850M	1.05B
Cash Income Tax Paid (Refund)	-13M	19M	71M	62M	25M
Net Debt Issued / Repaid	707M	2.3B	2.01B	-706M	525M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.54	0.59	1.55	1.69	1.48
Return On Equity %	4.76	5.9	15.06	15.42	14.2
Return on Common Equity	4.3	5.42	14.6	14.91	13.64
Shareholders Value Added	-896M	-736M	433M	532M	348M
Margin Analysis
SG&A Margin	54.71	53.23	39.41	38.73	43.47
Net Interest Income / Total Revenues %	68.75	74.36	84.9	85.1	86.38
EBT Excl. Non-Recurring Items Margin %	38.56	40.54	55.99	57.23	55.5
Income From Continuing Operations Margin %	24.67	26.32	45.49	48.45	49.3
Net Income Margin %	24.75	26.39	45.56	48.52	49.34
Net Avail. For Common Margin %	22.26	24.16	44.12	46.87	47.38
Normalized Net Income Margin	24.18	25.4	35.06	35.83	34.73
Asset quality
Nonperforming Loans / Total Loans %	5.3	3.52	2.94	2.79	2.19
Nonperforming Loans / Total Assets %	2.44	1.67	1.45	1.42	1.08
Nonperforming Assets / Total Assets %	2.46	1.67	1.45	1.42	1.08
NPAs / Loans and OREO	5.34	3.52	2.94	2.79	2.19
NPAs / Equity	23.05	17.71	13.15	12.98	10.84
Allowance for Credit Losses / Net Charge-offs %	6.28K	3.3K	1.55K	1.43K	1.3K
Allowance for Credit Losses / Nonperforming Loans %	60.32	74.53	76.73	67.1	71.75
Allowance for Credit Losses / Total Loans %	3.2	2.62	2.25	1.87	1.57
Net Charge-offs / Total Average Loans %	0.03	0.05	0.09	0.08	0.12
Provision for Loan Losses / Net Charge-offs %	-793.33	14.29	175.51	58.51	195.45
Earning Assets / IBL	178.12	184.01	226.49	213.27	206.23
Interest Income / Average Assets	1.74	1.9	3.53	3.9	3.4
Interest Expense / Average Assets	0.24	0.27	0.61	0.9	0.81
Net Interest Income / Average Assets	1.5	1.64	2.92	2.99	2.58
Non Interest Income / Average Assets	0.48	0.57	0.65	0.56	0.53
Non Interest Expense / Average Asset	1.34	1.31	1.51	1.5	1.33
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.37	10.06	10.27	10.99	10.41
Total Average Equity / Total Average Assets %	11.37	10.06	10.27	10.98	10.41
Total Equity + Allowance for Loan Losses / Total Loans %	26.38	22.51	24.6	23.41	21.77
Gross Loans / Total Deposits %	63.46	60.25	64.38	65.24	61.87
Net Loans / Total Deposits %	61.3	58.56	62.79	63.88	60.76
Tier 1 Capital Ratio %	21.3	19.9	18.4	17.1	18.9
Total Capital Ratio %	24.2	22.6	21	19.8	22
Core Tier 1 Capital Ratio	19.2	17.9	16.5	15.1	16.5
Tier 2 Capital Ratio	2.9	2.74	2.64	2.69	3.09
Coverage Ratio	65.34	81.02	79.04	71.15	75.7
Interbank Ratio	440.18	290.83	257.95	289.79	412.14
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.17	3.49	3.98	3.17	3.03
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-5.32	20.26	83.34	7.5	-9.23
Non Interest Income, 1 Yr. Growth %	21.89	29.88	4.52	-9.01	-3.78
Provision For Loan Losses, 1 Yr. Growth %	-116.3	-102.94	2.36K	-68.02	212.73
Total Revenues, 1 Yr. Growth %	186.31	11.17	55.68	7.25	-10.85
Earnings From Cont. Operations, 1 Yr. Growth %	-187.04	18.6	169.02	14.24	-9.02
Net Income, 1 Yr. Growth %	-184.14	18.55	168.71	14.22	-9.05
Normalized Net Income, 1 Yr. Growth %	-235.59	16.81	114.85	9.61	-13.79
Diluted EPS Before Extra, 1 Yr. Growth %	-171.27	21.96	190.04	22.14	0.91
Dividend Per Share, 1 Yr. Growth %	-	37.78	328.52	39.2	58.41
Gross Loans, 1 Yr. Growth %	-1.62	4.66	9.38	6.28	1.54
Allowance For Loan Losses, 1 Yr. Growth %	-24.9	-14.16	-6.06	-11.58	-14.96
Net Loans, 1 Yr. Growth %	-0.6	5.29	9.78	6.69	1.85
Non Performing Loans, 1 Yr. Growth %	-28.14	-30.53	-8.75	1.11	-20.47
Non Performing Assets, 1 Yr. Growth %	-29.29	-30.53	-8.75	1.11	-20.47
Total Assets, 1 Yr. Growth %	15.84	1.47	5.08	3.61	4.87
Total Deposits, 1 Yr Growth %	13.31	10.22	2.37	4.87	7.09
Tangible Book Value, 1 Yr. Growth %	1.46	-10.59	24.96	2.49	-5.43
Average Interest Earning Assets, 1 Yr. Growth %	18.08	9.53	-0.52	5.36	5.51
Average Interest Bearing Liabilities, 1 Yr. Growth %	25.79	6.03	-19.18	11.9	9.11
Common Equity, 1 Yr. Growth %	1.8	-10.23	22.92	2.39	-4.76
Total Equity, 1 Yr. Growth %	1.78	-10.24	22.9	2.38	-4.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-7.54	6.7	46.2	40.39	-1.22
Non Interest Income, 2 Yr. CAGR %	0.43	25.82	21.52	-2.48	-5.53
Provision For Loan Losses, 2 Yr. CAGR %	285.68	-93.08	-14.99	180.31	0
Total Revenues, 2 Yr. CAGR %	-0.87	78.41	31.56	29.21	-2.07
Earnings From Cont. Operations, 2 Yr. CAGR %	33.12	1.61	78.63	75.31	1.95
Net Income, 2 Yr. CAGR %	40.66	-0.13	78.48	75.19	1.92
Normalized Net Income, 2 Yr. CAGR %	0.02	25.85	58.42	53.46	-2.53
Diluted EPS Before Extra, 2 Yr. CAGR %	33.28	-6.77	88.08	88.22	11.02
Dividend Per Share, 2 Yr. CAGR %	-	-	142.98	144.24	48.5
Gross Loans, 2 Yr. CAGR %	-2.93	1.47	6.99	7.82	3.88
Allowance For Loan Losses, 2 Yr. CAGR %	23.39	-19.71	-10.2	-8.86	-13.28
Net Loans, 2 Yr. CAGR %	-3.54	2.3	7.51	8.22	4.24
Non Performing Loans, 2 Yr. CAGR %	-3.37	-29.35	-20.38	-3.95	-10.33
Non Performing Assets, 2 Yr. CAGR %	-4.67	-30.17	-20.38	-3.95	-10.33
Total Assets, 2 Yr. CAGR %	13.9	8.42	3.26	4.34	4.24
Total Deposits, 2 Yr CAGR %	13.73	11.76	6.22	3.61	5.97
Tangible Book Value, 2 Yr. CAGR %	-0.6	-4.76	5.7	13.17	-1.55
Average Interest Earning Assets, 2 Yr. CAGR %	13.86	13.73	4.38	2.38	5.43
Average Interest Bearing Liabilities, 2 Yr. CAGR %	15.76	15.48	-7.43	-4.9	10.49
Common Equity, 2 Yr. CAGR %	-0.27	-4.4	5.05	12.19	-1.24
Total Equity, 2 Yr. CAGR %	-2.02	-4.42	5.03	12.17	-1.26
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-5.45	0.93	26.49	31.96	21.4
Non Interest Income, 3 Yr. CAGR %	-7.35	9.42	21.64	10.35	-2.29
Provision For Loan Losses, 3 Yr. CAGR %	5.27	-24.09	-50.98	-38.63	190.72
Total Revenues, 3 Yr. CAGR %	-5.09	2.99	70.48	22.9	14.3
Earnings From Cont. Operations, 3 Yr. CAGR %	-16.1	28.09	40.56	53.9	40.88
Net Income, 3 Yr. CAGR %	-16.01	32.87	38.9	53.8	40.8
Normalized Net Income, 3 Yr. CAGR %	-13.18	5.33	50.41	40.12	26.85
Diluted EPS Before Extra, 3 Yr. CAGR %	-18.04	29.4	36.1	62.87	52.9
Dividend Per Share, 3 Yr. CAGR %	-35.79	-	-	101.81	111.41
Gross Loans, 3 Yr. CAGR %	-2.28	-0.46	4.04	6.75	5.68
Allowance For Loan Losses, 3 Yr. CAGR %	-2.58	9.33	-15.4	-10.66	-10.94
Net Loans, 3 Yr. CAGR %	-2.28	-0.69	4.73	7.23	6.05
Non Performing Loans, 3 Yr. CAGR %	-19.78	-13.44	-23.06	-13.78	-9.8
Non Performing Assets, 3 Yr. CAGR %	-20.2	-14.42	-23.66	-13.78	-9.8
Total Assets, 3 Yr. CAGR %	11.79	9.6	7.3	3.38	4.52
Total Deposits, 3 Yr CAGR %	11.11	12.55	8.53	5.77	4.76
Tangible Book Value, 3 Yr. CAGR %	-1.31	-4.05	4.27	4.62	6.59
Average Interest Earning Assets, 3 Yr. CAGR %	10.15	12.4	8.76	4.71	3.41
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.88	12.42	2.53	-1.39	-0.44
Common Equity, 3 Yr. CAGR %	-0.48	-3.71	3.95	4.16	6.23
Total Equity, 3 Yr. CAGR %	-0.48	-4.84	3.94	4.14	6.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.5	-0.39	12.56	14.46	14.58
Non Interest Income, 5 Yr. CAGR %	-9.26	-1.16	3.27	6.27	9.94
Provision For Loan Losses, 5 Yr. CAGR %	-4.14	-42.67	-3.35	28.01	-34.8
Total Revenues, 5 Yr. CAGR %	-4.4	-1.37	8.15	12.77	36.58
Earnings From Cont. Operations, 5 Yr. CAGR %	-13.81	-7.24	13.51	45.22	23.62
Net Income, 5 Yr. CAGR %	-13.76	-7.19	13.55	48.41	22.73
Normalized Net Income, 5 Yr. CAGR %	-11.13	-6.02	10.43	22.44	26.45
Diluted EPS Before Extra, 5 Yr. CAGR %	-14.89	-8.04	14.26	50.32	25.45
Dividend Per Share, 5 Yr. CAGR %	-13.35	-12.37	9.34	-	-
Gross Loans, 5 Yr. CAGR %	-2.3	-0.58	1.33	2.77	3.98
Allowance For Loan Losses, 5 Yr. CAGR %	-16.3	-14.86	-5.71	1.66	-14.56
Net Loans, 5 Yr. CAGR %	-1.5	0.05	1.52	2.79	4.54
Non Performing Loans, 5 Yr. CAGR %	-19.31	-25.74	-20.02	-9.76	-18.2
Non Performing Assets, 5 Yr. CAGR %	-19.55	-	-20.39	-10.38	-18.58
Total Assets, 5 Yr. CAGR %	5.99	7.63	8.3	7.46	6.06
Total Deposits, 5 Yr CAGR %	8.11	9.68	9.13	8.88	7.5
Tangible Book Value, 5 Yr. CAGR %	-0.14	-2.4	1.44	2.5	1.9
Average Interest Earning Assets, 5 Yr. CAGR %	4.69	8.02	7.81	8.28	7.42
Average Interest Bearing Liabilities, 5 Yr. CAGR %	1.98	7	3.72	5.14	5.64
Common Equity, 5 Yr. CAGR %	0.77	-1.69	1.7	2.36	1.84
Total Equity, 5 Yr. CAGR %	0.77	-1.69	1.69	1.63	1.82