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Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary30 Oct, 2025
Executive summary
Board, with support from the Minister of Finance, has launched a Formal Sales Process (FSP) to seek a new long-term owner, entering a formal offer period under Irish takeover rules.
Achieved strong Q3 performance with growth in deposits (up 7% YoY), mortgage book (up 4% YoY), and business banking (up 11% YoY).
New mortgage lending surged 64% YTD to €2.1 billion, with a market share over 20%.
Operating expenses marginally lower for the first nine months, on track for €525 million full-year target.
CET1 capital ratio at 15.5% at end-September, reflecting strong capital and liquidity positions.
Financial highlights
Total operating income for the first nine months of 2025 down 4% year-on-year; net interest margin (NIM) stabilized at 2.01%, expected to exceed 2.00% for the year.
Net interest income declined 6% YoY, while net fees and commissions rose 9% YoY due to one-off factors.
Total non-interest income up 14% YoY, driven by non-recurring items.
Cost/income ratio at approximately 77% for the first nine months.
No impairment charge in the first three quarters; asset quality remains strong.
Outlook and guidance
2025 guidance reaffirmed; 2027 ROTE target of ~9% and new 2028 ROTE target of ~11%.
ROTE expansion driven by income growth, NIM widening, cost-income ratio decline, and refinancing benefits.
Cost-income ratio target for 2027 set at 62%, with expectations to fall below 60% in 2028.
Dividend payments expected to restart in 2026, building to a 40% payout ratio over time.
Guidance excludes potential IRB model review benefits.
What drives NIM widening to >2.30% by 2028?
How to achieve <60% cost/income ratio by 2028?
IRB mortgage model review: potential ROTE impact?
FSP timing vs. IRB model review outcome?
Drivers for 2028 RoTE target increase
Expected use of future excess capital
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Next Permanent TSB Group earnings date
H2 20253 Mar, 2026
Next Permanent TSB Group earnings date
H2 20253 Mar, 2026
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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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