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Permanent TSB Group
Permanent TSB Group (PTSB) investor relations material
Permanent TSB Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary29 Jul, 2026
Executive summary
Achieved 2% YoY deposit growth (+€0.4bn), 3% YoY mortgage loan book growth (+€0.6bn), and 11% YoY business banking book growth (+€0.1bn).
Underlying profit before tax rose 34% YoY to €68m, with profit before tax at €57m, driven by higher net interest income and lower exceptional costs.
Net interest income increased 9% to €313m, with net interest margin up to 2.13% from 2.02% YoY.
Cost/income ratio improved to 71% from 76% in H1'25.
Strategy focused on deepening customer relationships, digital transformation, and sustainability, with 48% of new mortgages classified as green lending.
Financial highlights
Net interest income: €313m (+9% YoY); net fee and commission income: €30m.
Profit before tax: €57m (vs €19m prior year); underlying profit before tax: €68m.
Operating expenses (excl. exceptional items): €270m (-1% YoY); staff costs down €5m.
EPS (pre-exceptional) at 6.6c, up from 4.0c YoY.
Return on tangible equity: 5.0% (vs 2.9% prior year).
Outlook and guidance
Financial guidance for 2026 remains unchanged, targeting ROTE >9%.
Medium-term targets reaffirmed: ROTE >10% in 2027 and c.13% in 2028.
Full-year guidance remains in line with prior communications.
Irish economy remains resilient, but geopolitical and inflation risks persist.
Management confident in strategy to deliver for stakeholders and support competition.
Review of MREL issuance requirements
Expected impact of H2 IFRS 9 model updates
Bridge from 5% H1 ROTE to >9% FY26 target
Risks of BAWAG transaction non-completion
Estimated years to utilise deferred tax assets
Drivers of the 180bps H1 CET1 ratio increase
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Latest events from Permanent TSB Group
- Profit before tax rose to EUR 75m, CET1 ratio to 14.9%, and a 40% dividend payout policy was announced.PTSB
H1 20248 Jul 2026 - Record lending, improved capital, and first dividend in 18 years mark a transformational year.PTSBH2 20258 Jul 2026
- Formal sales process launched amid strong lending, deposit growth, and reaffirmed targets.PTSBQ3 2025 TU8 Jul 2026
- Profit doubled in 2024, with digital growth and cost discipline driving future efficiency.PTSBH2 20248 Jul 2026
- Q1 2026 saw 10% revenue growth, robust asset quality, and a recommended acquisition offer.PTSBQ1 2026 TU8 May 2026
- Strong deposit and lending growth, but profit fell as net interest income declined.PTSBH1 202516 Nov 2025
Permanent TSB Group
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