AIB Group plc (AIBGY) Q3 2025 Sales Call Transcript

Core Insights - The company reported a strong performance in Q3, indicating resilience in its business operations [2] - The net interest income (NII) guidance has been raised to over EUR 3.7 billion for the year, reflecting a 5% growth in new lending [2] - There is notable strength in personal lending and capital markets, particularly in the U.K. [2] Lending and Risk Management - The lending book remains resilient, with a revised cost of risk guidance for the full year at the lower end of the previously advised range of 20 to 30 basis points [3] - The domestic economic environment is supportive, positioning the company for good momentum entering 2026 in terms of activity and pipeline [3]