)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
AIB Group (A5G) investor relations material
AIB Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary4 Nov, 2025
Executive summary
Delivered strong Q3 performance with resilient lending book, supported by a growing customer base of 3.4 million and a robust Irish economy.
Net interest income remained resilient despite lower rates, driven by loan and deposit growth.
Upgraded full-year net interest income (NII) guidance to over €3.7 billion, reflecting confidence in business momentum and balance sheet growth.
Strategic focus on customer first, greening the business, and operational efficiency continues.
Entering 2026 with strong activity pipeline and supportive domestic economic backdrop.
Financial highlights
NII guidance raised to >€3.7 billion for 2025, with asset growth of 3% and deposit growth upgraded to 4%.
Net interest margin (NIM) YTD was 2.75%, with Q3 exit NIM at 2.70%.
Loan book up 1% year-to-date to September; full-year loan growth target maintained at 3% after FX and non-core asset adjustments.
Exceptional items for 2025 upgraded to a €150 million credit, mainly from the gain on sale of merchant services.
Operating costs rose 4% year-over-year, mainly from investment and inflation; cost-income ratio at 44%.
Outlook and guidance
NII for 2026 expected to benefit from current momentum, though no formal guidance provided; medium-term loan growth CAGR target of 5% reaffirmed.
Costs expected to rise ~3% in 2025; cost of risk at lower end of 20–30bps range.
CET1 capital ratio target of >14% by 2027 remains a key focus, with strong capital generation and SRT transactions supporting capital efficiency.
Customer loans and accounts expected to grow by ~3% and ~4% respectively in 2025.
ROTE expected to be >20% for 2025; medium-term ROTE target of 15%.
Capacity for additional capital distributions?
What drives NII stabilization despite rate cuts?
How does green lending support loan book growth?
How will the <EUR 2bn cost target be achieved?
What constrains capital distribution decisions?
Quantify housing plan's impact on lending.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next AIB Group earnings date
H2 20254 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
AIB Group plc is a financial services group primarily active in Ireland and the UK. The group offers a comprehensive suite of banking and financial services across personal, business, corporate, and private banking sectors. For personal customers, AIB provides loans, accounts, non-life insurance, investment products, cards, pensions, and savings and deposits. Business clients benefit from services including current accounts, savings and investments, corporate finance, business insurance, and other banking solutions. Corporate services encompass cash management and online banking, asset finance, invoice financing, corporate finance, merchant services, foreign exchange, and interest rate risk management services. Additionally, AIB offers private banking services such as demand deposits, digital banking, investment portfolio management, and retirement planning. The company is headquartered in Dublin, Ireland.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage