AIB Group plc - SREP

AIB Group PLC

23 October 2026

 

23 October 2026

AIB Group plc - SREP

Supervisory Review and Evaluation Process (SREP)

Following the Supervisory Review and Evaluation Process (SREP) performed by the ECB in 2026, the Pillar 2 Requirement reduced by 20bps to 2.20% from 2.40% effective from 1 January 2027.

AIB continues to have a very strong capital base with a fully loaded CET1 of 16.1%⁽¹⁾ at June 2026.  The reported capital ratios are in excess of minimum regulatory requirements and AIB continues to maintain a very significant buffer above Maximum Distributable Amount (MDA) trigger levels.

The table below sets out the Group's capital requirements. The table does not include Pillar 2 Guidance (P2G), which is not publicly disclosed.

AIB SREP Requirements	2026*	2027*
Pillar 1	4.50%	4.50%
Pillar 2 Requirement (P2R) (2)	1.35%	1.24%
Capital Conservation Buffer (CCB)	2.50%	2.50%
Other Systemically Important Institutions Buffer (O-SII)	1.50%	1.50%
Countercyclical buffer (CCyB) (3)	1.43%	1.43%
Total CET 1 requirement	11.28%	11.17%
AT1	1.95%	1.91%
Tier 2	2.60%	2.55%
Total Capital Requirement (4)	15.83%	15.63%

*Estimated on a look through basis

(1)      The CET1 ratio does not include profits for the six months to June 2026 pending a final decision on payout at year end

(2)      P2R of 2.20% of which 1.24% must be held in the form of CET1 assuming 41bps AT1 and 55bps Tier 2 to meet P2R requirement

(3)      Countercyclical buffer - UK CCyB at 2% and Irish CCyB of 1.5%

(4)      Excludes Pillar 2 Guidance (P2G)

For further information, please contact:

Group Investor Relations & External Communications

[e-mail]	[e-mail]	[e-mail]
Tel: [phone]	Tel: [phone]	Tel: [phone]

 

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