Revenue distribution by industry:

• Banking services: approx. 70%
• Mortgage business: approx. 20%
• Asset management and other financial services: approx. 10%

TOP 3 markets and their percentage shares:

• Ireland: approx. 60%
• United Kingdom: approx. 25%
• USA: approx. 10%

AIB Group plc generates the majority of its revenue from banking services, including traditional banking operations and loans. The Irish market remains the dominant market for AIB Group, attributed to its strong presence and market leadership in Ireland.

The United Kingdom and the USA are also significant markets, with the company benefiting from a diversified product range and strategic partnerships in these regions. Expanding into these markets enables AIB Group to strengthen its international presence and explore new growth opportunities.

Production: Headquarters in Dublin, Ireland

AIB Group plc is one of the leading banks in Ireland and offers financial services. As a financial institution, AIB does not produce physical products, but offers services such as account management, lending, and asset management. The headquarters and most operational activities are located in Dublin, Ireland.

Strategy for Future Growth:

1. Digitization and Technology Focus: AIB Group plc is heavily investing in digital platforms and technologies to enhance customer experience and increase operational efficiency. This includes the development of mobile applications and the implementation of AI-driven solutions.

2. Sustainability and ESG Initiatives: The company is committed to achieving its environmental, social, and governance goals. This includes investments in green financial products and reducing its own carbon footprint.

3. Expansion into New Markets: AIB aims to expand its presence in international markets, particularly in the Eurozone, to unlock new growth opportunities and diversify risk.

These strategic priorities are intended to support the growth of AIB Group plc in the coming years and strengthen its competitiveness in the global financial market.

Main Imported Raw Materials/Items: Paper, IT hardware, office furniture
Countries of Origin: Germany, China, USA

The AIB Group plc, as one of the leading banks in Ireland, mainly imports materials necessary for the operation of its branches and offices. These include paper products, IT hardware such as computers and servers, and office furniture.

Germany is an important supplier of high-quality office furniture and IT hardware, while China serves as the main supplier of cost-effective IT components. The USA provides specialized IT solutions and software essential for the bank's operations.

These imports are necessary to ensure the smooth operation of the bank and to keep its technological infrastructure up to date.

Market share in Ireland: 30% (2024, estimated)
Return on equity: 8.5% (2024)
Cost-Income Ratio: 55% (2024)

AIB Group plc has a significant competitive advantage in its home market of Ireland, where it holds an estimated market share of 30%. This gives the company a strong position to benefit from local economic development and compete against rivals.

The return on equity of 8.5% indicates that AIB operates efficiently and is able to achieve a solid return on invested capital. This is an indicator of the company's ability to create long-term value.

The cost-income ratio of 55% suggests that AIB manages its operating costs well and operates efficiently. A low ratio compared to competitors can be a sign of a competitive advantage, as it allows the company to operate more profitably.

Overall, AIB Group plc demonstrates a clear competitive advantage through its strong market position, efficient capital utilization, and cost control, especially in the Irish market.

Institutional Investor Share: 72% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last quarter (2025, estimated)

The institutional investor share in AIB Group plc is estimated to be 72%, indicating a strong confidence of institutional investors in the company's long-term stability and growth potential.

No significant insider transactions were reported in the last quarter, which could suggest a stable internal assessment of the current company valuation. This may also be attributed to the executives and insiders being satisfied with the current strategic direction of the company.

Market share of AIB Group plc: 22% (estimated, 2025)

Main competitors and their market shares:

1. Bank of Ireland Group plc: 25%
2. Permanent TSB Group Holdings plc: 18%
3. Ulster Bank Ireland DAC: 15%
4. KBC Bank Ireland: 10%
5. Danske Bank Ireland: 5%

Moat of AIB Group plc:

AIB Group plc has a significant moat in the form of strong brand recognition and a broad customer base in Ireland. The company benefits from an established branch network and a comprehensive range of financial services it offers to its customers. These factors help strengthen customer loyalty and increase market entry barriers for new competitors.

Compared to competitors, Bank of Ireland Group plc has a similar moat, especially due to its long history and strong market presence. Permanent TSB and Ulster Bank also have solid positions, but with a lower market share and less comprehensive service offering.

Overall, AIB has a competitive moat, which is, however, challenged by strong competition, especially from Bank of Ireland. AIB's ability to further differentiate itself through digital innovations and customer satisfaction will be crucial to strengthen the moat and maintain or expand market share.

Revenue Growth: 7.8% (2024) Profit Growth: 5.2% (2024) Return on Equity: 10.5% (2024)

In 2024, AIB Group plc recorded a solid revenue growth of 7.8%. This indicates a healthy business development and effective implementation of their strategic initiatives. The profit growth of 5.2% shows that the company is able to control its costs and increase profitability.

The return on equity of 10.5% is another positive sign, as it indicates efficient capital utilization. This metric is at the upper end compared to many competitors in the banking sector, reflecting strong financial performance.

In summary, AIB Group plc presents an attractive investment opportunity due to its solid financial metrics and positive business development. However, potential investors should also consider general economic conditions and specific risks in the banking sector.

Dividend Yield: 4.5% (2025, estimated)
Dividend History: Regular payouts since 2020

In recent years, AIB Group plc has pursued a consistent dividend policy and regularly distributed dividends to its shareholders. The estimated dividend yield for 2025 is around 4.5%, which is competitive compared to other banks in the European region.

The reliability of the payout is supported by the company's stable financial performance and solid capital position. In recent years, AIB has increased its earnings and strengthened its capital buffers, supporting its ability to pay dividends even in economically challenging times.