AIB

Navigating Volatility: What’s Driving FX and Central Banks this Autumn? Our latest AIB Market Talk podcast is out now! Senior Economist John Fahey joins Mark McKevitt from our Treasury Team to unpack what’s behind the recent currency swings, central bank moves, and the key themes shaping markets this autumn. Hear the latest insights from our experts on the trends to watch. Listen here: https://lnkd.in/e_PG26Q8

AIB has made a number of senior appointments to its Retail Banking team which supports over three million customers. Retail Banking is AIB’s largest customer facing division, offering mortgage, personal and SME lending, current accounts, payments, deposits, insurance and wealth across a number of brands including EBS, Haven, Payzone, Nifti and AIB life. In key customer areas, Elaine Downey has been appointed as Head of SME, Ray Alcock will serve as Head of Homes, while John Brennan assumes responsibility for AIB’s Products and Payment Strategy. To support the delivery of the Retail strategy, Janet McConkey takes on an expanded remit as Head of Portfolio and Risk Management and Charles Riley joins the Retail team as Head of Business Innovation and Adoption. Pictured are Charles Riley John Brennan Janet McConkey Ray Alcock and Elaine Downey

Celebrating our partnership with FoodCloud today on World Food Day. Each week, the FoodCloud Kitchen prepares nutritious meals from surplus ingredients through our AIB FoodCloud Community Meals programme, with the dedication of volunteers like Michael from @aibireland and Brian - one of FoodCloud’s community volunteer drivers, we’re helping good food reach local communities — making a real difference, to real people, every day.

This week’s #TreasuryTuesday spotlights the latest AIB Ireland Construction PMI, which shows construction activity in Ireland fell at its fastest pace since late 2022. The headline index dropped to 43.7 in September, marking five straight months of contraction. Key takeaways: · Sharper declines in total activity and new business · Employment down for the first time in seven months · Input cost inflation at its slowest since November 2024 · All sub-sectors—housing, commercial, and civil engineering—recorded declines Read the full report here - https://lnkd.in/efzCgYyn Stay tuned for more Treasury insights every Tuesday!

In life you’ve around 29,000 days. So today, how will you turn the “what ifs” into “what’s nexts”…

We were delighted to welcome local business leaders to our Sustainability Regional Event in Waterford for a dynamic exchange on advancing sustainability through innovative energy solutions and collaborative action across industries. Speakers included: Barry Field, Corporate Affairs Director, AIB Owen Power, Managing Director, Greenvolt Next Ireland & UK Annie Flahavan, Financial Controller, Flahavan’s David Brennan, CEO, Eastgate Engineering Jonathan McCrea, Moderator We’re committed to supporting our customers’ sustainability journey and look forward to the 9th AIB Sustainability Conference in November where we will hear more inspiring insights. You can register for this year’s event here https://lnkd.in/ey5kJp83

AIB’s annual Risk in Conversation (“RIC”) week took place this week. Our key objective was to raise awareness of risk management across the bank and to embed and sustain a strong Risk Culture, our core theme this year. Our programme included a Risk Chat Show hosted by Vicki O’Shea and Rosemarie Flanagan, from our Risk Senior Management Team (SMT) who delved into topics such as Risk Culture, Reputational Risk and Fraud alongside Colin Hunt (CEO, AIB), Mike Frawley (CRO, AIB), Geraldine Casey (MD Retail Banking, AIB), Will Goodbody (Head of External Communications, AIB) and guest speaker Detective Inspector Paul O’Hanlon from the Garda National Economic Crime Bureau. We hosted over 70 events during the week, including Risk training spotlights across 20 topics and discussions with senior leaders up to the Board, featuring Chairman Jim Pettigrew. Our "RIC on the Road" initiative brought conversations to our branches and offices nationwide. Risk in Conversation week engaged a wide audience across AIB, with strong participation again this year. We will continue with meaningful risk conversations and in empowering people to build a sustainable future.

The latest AIB Spend Trend has shown that September had the biggest selling days of the year for tourism and exhibits, on the 16th and 17th of the month as people flocked to Screggan, Tullamore, Co. Offaly for the National Ploughing Championships. Ticket sales were led by customers from Cork, Tipperary, Galway , Limerick and Offaly at the annual event which is the largest of its kind in the world. September was also a significant month for golf fans. At the start of the month, Rory McIlroy won the Irish Open at The K Club before going on to join Shane Lowry and the rest of Team Europe at the Ryder Cup for their historic win in New York. Their success coincided with a 10% increase in spending at golf clubs and courses, year on year. Speaking about the data, Adrian Moynihan, Head of Consumer at AIB said “September is a busy month as people return from holidays and have that back to school feeling. Overall spend increased 10%; electronics spend increased 20% as people returned to study; and it was a strong month for entertainment which was up 18% overall. The significant increase in ticket sales, up 45% in the year, demonstrates the appetite among people in Ireland for music and culture, with sales for Electric Picnic leading to the highest ticket spending day of the year so far. AIB’s robust data provides unique insights into customer spend patterns and also helps businesses to better understand customer behaviours and plan their activities accordingly.”

AIB is delighted to be hosting an event aimed at supporting SME growth. Please join us as we explore the current global market environment, its impact on Irish businesses and look ahead to the future. During the event, guests will be given an economic update, a briefing of working capital supports, as well as some guidance on pension planning and the upcoming Auto-Enrolment initiative. If interested in attending, please rsvp here mailto:[email protected] for the event. AIB Blanchardstown 🗓 Date: Wednesday, 15th October 2025. 🕗 Time: 5:30 pm to 7:00 pm (networking and refreshments from 5:00 pm) 📍 Venue: AIB, West End Retail Park, Blanchardstown, Dublin 15

We were very pleased to bring together local business leaders to discuss the future of sustainable business at our Sustainability Regional Event in Mayo. The discussion explored how the rapid growth of solar power is reshaping grid reliability, flexibility and future infrastructure planning. Attendees gained valuable takeaways from Orlaith Ryan, Chief Customer Officer at AIB; David Kiely, Director, Jennings O’Donovan & Partners Limited; Seán Corcoran, Group MD, Electric Skyline; David Carroll, Maintenance Manager, Breaffy House Resort and was moderated by Jonathan McCrea. We’re proud to support our customers on their sustainability journey and look forward to sharing more insights at our upcoming Sustainability Conference in November. You can register for this year’s event here https://lnkd.in/ey5kJp83