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Permanent TSB Group
Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary8 May, 2026
Executive summary
Achieved 10% revenue growth in Q1 2026, driven by higher margins and a larger balance sheet.
Cost/income ratio improved to 72%, down 4 percentage points year-over-year.
Asset quality remains robust with no impairment charge and stable non-performing loans at 1.4% of gross loans.
Announced a recommended offer by BAWAG Group for the entire share capital, supporting future growth.
Financial highlights
Total operating income up 10% year-over-year; underlying growth 6%.
Net interest margin rose to 2.13%, up 10bps; underlying NIM at 2.11%.
Net interest income increased 9% year-over-year.
Net fees and commissions up 25%, but flat after adjusting for earlier income recognition.
No impairment charge recorded in Q1; asset quality stable.
Outlook and guidance
Guidance for the year remains in line with prior communications.
Expectation for NIM to exceed 2.10% for the full year.
Mortgage market share outlook of approximately 20% for 2026.
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Latest events from Permanent TSB Group
- Record lending, deposit growth, and IRB approval led to improved capital and a return to dividends.PTSB
H2 202527 Apr 2026 - Profit before tax rose to EUR 75 million, CET1 to 14.9%, and NPL ratio fell to 1.7%.PTSBH1 20242 Feb 2026
- Profit doubled, capital strengthened, and digital-led growth with robust 2025 cost targets.PTSBH2 20241 Dec 2025
- Strong deposit and lending growth, but profit fell as net interest income declined.PTSBH1 202516 Nov 2025
- Formal sales process launched amid strong lending, deposit growth, and reaffirmed targets.PTSBQ3 2025 TU4 Nov 2025
Next Permanent TSB Group earnings date
H1 202630 Jul, 2026
Permanent TSB Group
Next Permanent TSB Group earnings date
H1 202630 Jul, 2026
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