23rd Oct 2026 07:00
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
Tel: +353 863135647 | Tel: +353 873956864 | Tel: +353 86 8502204 |
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