Aib Group Regulatory News (AIBG)

AIB Group plc completes significant risk transfer; Pillar 2 Requirement unchanged

AIB Group plc ("AIB") has successfully completed its second significant risk transfer (SRT) on a portfolio of residential mortgage assets totalling c. €2bn. This transaction forms part of AIB's previously outlined multi-year, multi-asset SRT programme and follows the inaugural SRT transaction completed in November 2024. The completion of this SRT delivers a positive initial CET1 impact of c. 25bps driven by a reduction in RWAs of c. €800m.

At the end of September, AIB's CET1 ratio was 16.6% (1). In October 2025 AIB announced the cancellation of Warrants held by the Minister for Finance with a resulting CET1 reduction of c. 70bps. This reduction together with the SRT benefit, results in a September pro-forma CET1 of c. 16.15%.

Following the Supervisory Review and Evaluation Process (SREP) performed by the ECB in 2025, AIB confirms its Pillar 2 Requirement remains unchanged at 2.40% for 2026. AIB remains strongly capitalised and comfortably ahead of its 2026 CET1 minimum regulatory requirement of 11.30%.

Donal Galvin, Chief Financial Officer at AIB, commented: "The reduction of risk weighted assets through the execution of this SRT enhances capital efficiency and generates a CET1 benefit of c. 25bps. AIB remains strongly capitalised and comfortably ahead of minimum capital requirements."

-ENDS-

(1) In accordance with ECB guidance and under Article 26(2), year to date profits for the nine months to September of c. +250bps have not been recognised in the September regulatory reported CET1 of 16.6%

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