AIB GROUP (UK) P.L.C.
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-10-20 (in 5mo)
Last made up 2025-10-06
Watchouts
Cash
£3B
-22.8% vs 2024
Net assets
£2B
+8.9% vs 2024
Employees
702
+0.3% vs 2024
Profit before tax
£249M
+4.2% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £392,000,000 | £384,000,000 | |
| Operating profit | £261,000,000 | £250,000,000 | |
| Profit before tax | £239,000,000 | £249,000,000 | |
| Net profit | £188,000,000 | £237,000,000 | |
| Cash | £3,961,000,000 | £3,056,000,000 | |
| Total assets less current liabilities | £2,056,000,000 | £2,224,000,000 | |
| Net assets | £1,893,000,000 | £2,061,000,000 | |
| Equity | £1,893,000,000 | £2,061,000,000 | |
| Average employees | 700 | 702 | |
| Wages | £44,000,000 | £42,000,000 | |
| Directors' remuneration | £1,300,000 | £1,300,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-2%
£392,000,000 £384,000,000
-
Cash
-22.8%
£3,961,000,000 £3,056,000,000
-
Net assets
+8.9%
£1,893,000,000 £2,061,000,000
-
Employees
+0.3%
700 702
-
Operating profit
-4.2%
£261,000,000 £250,000,000
-
Profit before tax
+4.2%
£239,000,000 £249,000,000
-
Wages
-4.5%
£44,000,000 £42,000,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 66.6% | 65.1% | |
| Net margin | 48.0% | 61.7% | |
| Return on capital employed | 12.7% | 11.2% | |
| Gearing (liabilities / total assets) | 80.7% | 80.0% | |
| Current ratio | 1.22x | 1.24x | |
| Interest cover | 2.04x | 1.84x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- AIB GROUP (UK) P.L.C. 1996-09-30 → present
- AIB GROUP NORTHERN IRELAND PLC 1992-11-02 → 1996-09-30
- TSB BANK NORTHERN IRELAND PUBLIC LIMITED COMPANY 1989-11-01 → 1992-11-02
- TSB NORTHERN IRELAND PUBLIC LIMITED COMPANY 1985-11-18 → 1989-11-01
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements for the year ended 31 December 2025 have been prepared on a going concern basis... We have nothing material to add or draw attention to in relation to the directors' statement of going concern.”
Group structure
- AIB GROUP (UK) P.L.C. · parent
- AIB Pensions UK Limited 70%
- AIB Joint Ventures Limited 100%
- First Trust Financial Services Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 69 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GOULDSON, Conor | Secretary | 2026-01-16 | — | — |
| CLARK, Sally Jane | Director | 2023-06-16 | Sep 1962 | British |
| FALL, William Moray Newton | Director | 2021-10-01 | Apr 1957 | British |
| GORMLEY, Hilary | Director | 2022-06-24 | May 1969 | Irish |
| HIGGINS, Joseph | Director | 2021-10-12 | Jun 1964 | Irish |
| HORNER, Paul Richard | Director | 2020-02-12 | Aug 1962 | British |
| O'DWYER, Fergal | Director | 2026-01-01 | Apr 1960 | Irish |
| SULLIVAN, Jenny Ann | Director | 2025-10-02 | Nov 1981 | British |
| TRAVERS, Paul | Director | 2025-10-02 | Jan 1981 | Irish |
| WALL, Kevin Charles | Director | 2026-01-01 | Dec 1958 | British |
| WEATHERSTON, Jacqueline Anne | Director | 2023-01-01 | Dec 1956 | British |
| WOOSEY, Andrew David | Director | 2023-01-01 | Oct 1966 | British |
Show 69 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HALLISSEY, Elizabeth Anne | Secretary | 2020-12-11 | 2022-01-26 |
| HAMILTON, Iain Alexander | Secretary | 2017-04-06 | 2019-06-28 |
| KEARNS, Brian | Secretary | 2019-06-28 | 2020-12-11 |
| KELLY, Adrian Richard | Secretary | 2022-01-27 | 2026-01-16 |
| MCERLEAN, Eugene | Secretary | 1991-04-19 | 1997-11-27 |
| O'CALLAGHAN, David | Secretary | 2016-06-17 | 2017-03-31 |
| PECK, Tiana Jennifer, Ms. | Secretary | 1997-11-20 | 2016-06-17 |
| AGNEW, David Isaac | Director | 2005-03-17 | 2012-09-30 |
| ASHFORD, Anthony Joseph | Director | 2005-12-05 | 2014-11-30 |
| BLOOR, John Stuart | Director | 1985-11-18 | 2004-09-29 |
| BOURKE, Mark George | Director | 2017-07-06 | 2019-02-27 |
| BRYCE, Cathy Ann | Director | 2020-03-12 | 2021-05-31 |
| BUCKLAND, Graham Leonard Arthur | Director | 2017-03-01 | 2026-03-31 |
| BUTLER, Margaret Mary | Director | 2013-08-30 | 2019-12-31 |
| CARSON, William Montgomery | Director | 1985-11-18 | 1999-09-30 |
| CASEY, Geraldine | Director | 2021-05-19 | 2025-10-02 |
| COLLIER, Declan | Director | 2013-03-13 | 2018-03-01 |
| CONN, Charles Geoffrey | Director | 1985-11-18 | 2004-12-31 |
| CROWLEY, Kieran | Director | 2007-07-10 | 2014-11-30 |
| CUNNINGHAM, John Damian | Director | 2002-03-21 | 2012-03-13 |
| DUNLEY-OWEN, Tracy | Director | 2020-04-09 | 2023-03-31 |
| EGAN, Pauline Fidelis Mary | Director | 2015-05-07 | 2017-06-29 |
| FAWCETT, James N D | Director | 1985-11-18 | 2004-07-31 |
| FOLEY, Thomas Joseph | Director | 2015-04-23 | 2021-09-30 |
| GAHAN, Janet Elaine | Director | 2022-01-31 | 2024-10-02 |
| HARVEY, Daniel Edward | Director | 1985-11-18 | 1999-09-30 |
| HENNEBERRY, Robbie James | Director | 2005-03-01 | 2009-05-21 |
| JOHNSTON, Rotha Geraldine Diane | Director | 2001-11-01 | 2012-05-31 |
| KELLY, Kevin John | Director | 1985-11-18 | 2003-12-31 |
| KELLY, Matthias | Director | 2004-03-16 | 2012-05-31 |
| KILTY, John Francis | Director | 2009-12-21 | 2011-09-09 |
| KINGON, Stephen Leigh | Director | 2007-10-25 | 2016-10-31 |
| LAWRENCE, Rachel Michelle | Director | 2017-07-03 | 2020-08-07 |
| LENT, Jeffrey Alan | Director | 1999-12-16 | 2007-11-22 |
| LICENCE, Dennis John | Director | 1985-11-18 | 2005-06-30 |
| LOUGHRAN, Gerry Finbar, Sir | Director | 2005-03-17 | 2012-12-31 |
| MAGEE, Joseph William | Director | 1985-11-18 | 2002-12-31 |
| MALTON, Shelley Joanne | Director | 2018-12-20 | 2023-05-10 |
| MC COLLUM, Anne B, Lady | Director | 1985-11-18 | 2001-05-31 |
| MC ELROY, Eamon Francis | Director | 1985-11-18 | 2003-12-31 |
| MC GOWAN, Joseph | Director | 2008-10-14 | 2011-12-16 |
| MC GUCKIAN, John Brendan | Director | 1985-11-18 | 2007-07-31 |
| MCDAID, Leo Terence | Director | 2005-07-07 | 2009-05-15 |
| MCGINN, Gerard Majella Joseph | Director | 2011-09-22 | 2013-10-31 |
| MCKEON, Aidan Peter | Director | 1985-11-18 | 2005-09-30 |
| MCSWEENEY, Declan | Director | 2003-05-01 | 2005-09-30 |
| MEADOWS, Steven | Director | 2005-12-05 | 2008-11-01 |
| MULCAHY, Joan Geraldine | Director | 1985-11-18 | 2007-08-10 |
| MULHALL, Robert Damien | Director | 2020-03-09 | 2022-06-24 |
| NORMOYLE, Helen Elizabeth | Director | 2021-07-01 | 2025-05-01 |
| O KEEFFE, Gerard | Director | 2008-10-15 | 2016-06-17 |
| O'CONNOR, Brendan | Director | 2015-10-19 | 2020-03-11 |
| O'DONNELL, Hugh Anthony | Director | 2012-03-26 | 2016-12-14 |
| O'KEEFFE, James | Director | 2019-03-29 | 2020-01-31 |
| O'NEILL, Ronan Gerard | Director | 2011-09-30 | 2013-06-26 |
| O'SULLIVAN, Cornelius Athanasius | Director | 2002-10-15 | 2003-03-31 |
| PERKIN, Roger Kitson | Director | 2017-03-01 | 2023-03-31 |
| PRITCHARD, David Peter | Director | 2007-07-01 | 2016-02-29 |
| REA, Desmond Sir, Sir | Director | 1985-11-18 | 2004-07-31 |
| REID, Stephen John Kent | Director | 2013-07-22 | 2015-10-19 |
| ROBINSON, William Bruce, Sir | Director | 2013-08-23 | 2020-08-23 |
| SPRATT, Peter Norman | Director | 2015-03-03 | 2022-03-03 |
| SULLIVAN, Francis Xavier | Director | 1999-10-21 | 2006-10-31 |
| SWEENEY, Timothy Patrick | Director | 2001-07-01 | 2012-12-31 |
| TOLAND, Robert | Director | 1985-11-18 | 1999-12-31 |
| TREBLE, Nicholas John | Director | 2009-05-21 | 2011-09-30 |
| TREBLE, Nicholas John | Director | 2005-12-05 | 2008-02-12 |
| TURNER, Simon | Director | 2014-10-02 | 2017-12-31 |
| WACKER, Thomas Joseph | Director | 2012-04-12 | 2014-11-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aib Group P.L.C. | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-12-08 | Active |
| Aib Holdings (N.I.) Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2021-02-16 |
| Allied Irish Banks, P.L.C. | Corporate entity | right-to-appoint-and-remove-directors-as-firm, Significant influence | 2016-04-06 | Ceased 2017-12-08 |
Filing timeline
Last 20 of 391 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-20 | AA | accounts | Accounts with accounts type full | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-01-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-15 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-31 | AA | accounts | Accounts with accounts type full | |
| 2024-12-03 | CH01 | officers | Change person director company with change date | |
| 2024-10-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-10-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-21 | AA | accounts | Accounts with accounts type group | |
| 2024-01-02 | SH03 | capital | Capital return purchase own shares | |
| 2023-12-28 | SH06 | capital | Capital cancellation shares | |
| 2023-10-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-20 | AA | accounts | Accounts with accounts type interim |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 5
- Officers resigned
- 4
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.