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Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary31 Jul, 2025
Executive summary
Customer deposits rose 7% year-on-year to €25.2bn, with strong growth in retail and current accounts, supporting a robust funding profile.
Gross new lending increased 66% year-on-year to €1.6bn, driven by an 84% rise in new mortgage lending and a 23% increase in business banking lending.
Operating profit before exceptionals was €51m, down 17% year-on-year; profit before tax at €19m, reflecting lower net interest income and higher exceptional costs.
Launched new Sustainability Strategy 2025-2027, with €560m in green lending (up 110% YoY) and €26m in impact lending.
Strategic focus on deepening customer relationships, diversifying income, and enhancing operational efficiency.
Financial highlights
Net interest income fell 7% year-on-year to €288m, mainly due to lower ECB rates and higher term deposit costs; NIM declined to 2.02%.
Total operating income fell 4% year-on-year; operating expenses down 1% to €271m.
Cost/income ratio increased to 76%, up three points year-on-year.
Net fees and commissions rose 35% to €31m, aided by current account pricing changes and timing of receipts.
Exceptional items totaled €32m, mainly from a voluntary severance scheme; impairment result was neutral (nil).
Outlook and guidance
Reiterated full-year and medium-term guidance through 2027, expecting NIM above 2% for 2025.
Cost target for 2025 set at €525m; cost/income ratio targeted to fall toward 60% by 2027.
Dividend payments planned to restart in 2026, aiming for a 40% payout ratio over time, subject to regulatory approval.
2025 ROTE guidance c. 5%; 2027 ROTE target c. 9% with increased capital return.
Guidance does not yet reflect potential changes from the IRB model review; updates expected after regulatory process.
Assess impact of trade deal on impairment.
When will the voluntary severance savings accrue?
Explain the IRB model's timeline and impact.
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Next Permanent TSB Group earnings date
Q3 2025 TU30 Oct, 2025
Next Permanent TSB Group earnings date
Q3 2025 TU30 Oct, 2025
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Frequently asked questions
Permanent TSB Group Holdings plc is a financial services provider based in Ireland. It operates primarily in the retail and small to medium-sized enterprise (SME) banking sectors. The company's services encompass transactional banking, lending, savings, and deposit-taking. It delivers these services through a multi-channel distribution model, which includes branches, brokers, direct engagement, digital platforms, and SME-specific channels. The company is headquartered in Dublin, Ireland, and its shares are listed on the Euronext Dublin and the London Stock Exchange.
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