Financials AIB Group plc

Equities

Market Closed - Euronext Dublin Other stock markets 16:55:00 13/02/2026 GMT			5-day change	1st Jan Change
8.545 ^EUR	-4.74%		-9.34%	-7.12%

02-13	Bernstein, Barclays and Deutsche lower Relx	AN
01-16	Should you still invest in European banks in 2026?

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	2,371	2,384	2,895	4,741	4,908	4,487	4,550	4,690
Change	-	0.55%	21.43%	63.77%	3.52%	-8.58%	1.42%	3.06%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	729	688	1,081	2,730	2,799	2,225	2,366	2,499
Change	-	-5.62%	57.12%	152.54%	2.53%	-20.49%	6.32%	5.61%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-931	629	880	2,394	2,702	2,222	2,143	2,248
Change	-	167.56%	39.9%	172.05%	12.87%	-17.75%	-3.58%	4.92%
Net income ¹	-769	647	767	2,061	2,351	1,843	1,762	1,858
Change	-	184.14%	18.55%	168.71%	14.07%	-21.59%	-4.42%	5.46%
Announcement Date	05/03/21	03/03/22	08/03/23	06/03/24	05/03/25	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2021 S1	2021 S2	2022 S1	2022 S2	2023 S1	2023 S2	2024 S1	2024 S2	2025 S1	2025 S2	2026 S1	2026 S2	2027 S1
Net sales ¹	1,171	1,213	1,274	1,621	2,209	2,532	2,480	2,428	2,232	2,287	2,207	2,250	2,245
Change	-	3.59%	5.03%	27.24%	36.27%	14.62%	-2.05%	-2.1%	-8.07%	2.47%	-3.48%	1.95%	-0.26%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	373	-	391	-	1,205	1,525	1,395	1,404	1,145	1,252	-	-	-
Change	-	-	-	-	-	26.56%	-8.52%	0.65%	-18.45%	9.34%	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	291	-	537	-	987	1,407	1,293	1,409	1,069	1,315	-	-	-
Change	-	-	-	-	-	42.55%	-8.1%	8.97%	-24.13%	23.01%	-	-	-
Net income ¹	275	-	477	290	856	1,205	1,108	1,243	928	1,172	-	-	-
Change	-	-	-	-39.2%	195.17%	40.77%	-8.05%	12.18%	-25.34%	26.29%	-	-	-
Announcement Date	04/08/21	03/03/22	29/07/22	08/03/23	28/07/23	06/03/24	02/08/24	05/03/25	31/07/25	-	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	05/03/21	03/03/22	08/03/23	06/03/24	05/03/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	69	21	31	32	34	25
Change	-	-69.57%	47.62%	3.23%	6.25%	-26.47%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	06/03/20	05/03/21	03/03/22	08/03/23	05/03/24	05/03/25

¹EUR in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	30.75%	28.86%	37.34%	57.58%	57.03%	49.6%	52%	53.28%
EBT Margin (%)	-	-39.27%	26.38%	30.4%	50.5%	55.05%	49.53%	47.09%	47.94%
Net margin (%)	-	-32.43%	27.14%	26.49%	43.47%	47.9%	41.09%	38.72%	39.62%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	-0.74%	0.54%	0.6%	1.5%	1.6%	1.17%	1.18%	1.2%
ROE	-	-5.66%	4.78%	6.47%	15.9%	16.1%	12.94%	12.94%	13.75%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	0.78	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	0.045	0.062	0.266	0.3698	0.4155	0.4428	0.4824
Change	-	-	-	37.78%	329.03%	39.04%	12.36%	6.57%	8.94%
Book Value Per Share ¹	-	4.944	5.033	4.17	5.719	6.629	6.404	6.648	7.026
Change	-	-	1.8%	-17.14%	37.14%	15.92%	-3.4%	3.81%	5.69%
EPS ¹	-	-0.3	0.214	0.261	0.757	0.925	0.8582	0.8426	0.935
Change	-	-	171.33%	21.96%	190.04%	22.19%	-7.22%	-1.82%	10.96%
Nbr of stocks (in thousands)	-	2,714,381	2,714,381	2,673,428	2,618,754	2,328,439	2,136,767	2,136,767	2,136,767
Announcement Date	-	05/03/21	03/03/22	08/03/23	06/03/24	05/03/25	-	-	-