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Ireland's AIB raises FY guidance for net interest income, customer loans and deposits

By Reuters News

Nov 4 (Reuters) - AIB Group PLC AIBG.I:

  • AIB GROUP PLC - Q3 2026 TRADING UPDATE

  • NEW LENDING TO SEPTEMBER UP 17% TO EUR 12.3 BILLION

  • UPGRADED FY26 GUIDANCE FOR NII, CUSTOMER LOANS AND DEPOSITS; ALL OTHER GUIDANCE REITERATED

  • TOTAL INCOME YEAR-TO-DATE INCREASED 3% ON PRIOR YEAR

  • NET INTEREST INCOME (NII) OF EUR 2.87BN, UP 2%; SEPT YTD NIM OF 2.72%

  • COSTS UP 3%; COST INCOME RATIO (CIR) 44%; FY26 GUIDANCE UNCHANGED AT C. 2% INCREASE

  • MORTGAGE MARKET SHARE 28.4% SEPT YTD (VERSUS 30% AT END-JUNE)

  • CONTINUED GROWTH IN CUSTOMER DEPOSITS UP 2.7% TO EUR 120.4BN (DEC 25: EUR 117.2BN)

  • CET1 OF 15.7% AT SEPT (JUN 26: 16.1%)

  • FY NII IS EXPECTED TO BE > EUR 3.85BN (PREVIOUSLY > EUR 3.8BN)

  • FY CUSTOMER LOANS ARE EXPECTED TO GROW BY 5-6% (PREVIOUSLY C. 5%)

  • FY CUSTOMER DEPOSITS ARE EXPECTED TO GROW BY 3-4% (PREVIOUSLY C. 3%)

  • FTES AT END Q3 2026 WERE 3% LOWER YOY AT 10,017

  • OVERALL CREDIT QUALITY REMAINED ROBUST AND A NET CREDIT IMPAIRMENT CHARGE IN LINE WITH EXPECTATIONS WAS RECORDED FOR NINE MONTHS

  • CLIMATE & INFRASTRUCTURE CAPITAL DELIVERED STRONG NEW LENDING OF EUR 2.0BN, AN INCREASE OF EUR 0.9BN FOLLOWING LOWER ACTIVITY IN PRIOR YEAR, WITH 67% OF NEW LENDING IN EUROPE AND UK

  • CFO SELECTION PROCESS IS WELL ADVANCED AND WE WILL UPDATE MARKET IN DUE COURSE

Further company coverage: AIBG.I

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