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Permanent TSB Group
Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary5 Mar, 2026
Executive summary
2025 marked a transformational year with record lending of EUR 3.4 billion, the highest in 18 years, and a 6% increase in deposits, alongside a 3% rise in the mortgage book.
The bank met or exceeded guidance on all key metrics, including income, costs, impairment, capital, and returns, and announced its first dividend since 2008.
Strategic focus on digital transformation, customer experience, and diversification of income streams, with significant progress in AI adoption and sustainability initiatives.
Return on Tangible Equity (ROTE) was 7.3%, with CET1 ratio at 17.5% pro-forma.
Total income declined 3% year-over-year to EUR 655 million, with net interest income down 4% to EUR 590 million.
Financial highlights
Net interest margin (NIM) at 2.03%, down 17bps year-over-year; total operating costs reduced by 2% to EUR 519 million, EUR 6 million below guidance.
Cost/income ratio increased to 75% from 74% year-over-year, but improved to 74% in H2.
Profit before exceptional items and tax was EUR 175 million, down 3% from 2024.
Net impairment release of EUR 39 million, maintaining a low cost of risk (-18bps), the fifth consecutive year of such releases.
Exceptional items totaled EUR 47 million, mainly due to voluntary severance.
Outlook and guidance
Medium-term targets unchanged, with lending growth expected to accelerate from 4% and NIM to rise to 2.3% by 2028.
Cost-income ratio targeted to fall below 70% in 2026 and below 60% by 2028.
ROTE projected to exceed 9% in 2026 and reach 13% by 2028.
Cost of risk expected to move from zero in 2026 to 20-25bps by 2028.
IRB impact on mortgage market competition?
Future cost trajectory beyond 2025?
Non-mortgage lending growth drivers?
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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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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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