Results Centre

2025 Annual Results

2025 was a transformational year for PTSB. The Bank’s balance sheet continued to grow as customers responded to the strength of our brand and product offering. Deposits increased by 6%, our mortgage book grew by over 3%, and our Business Banking (SME and Asset Finance) portfolio rose by 9%. Our new mortgage lending market share also increased, reaching c. 20%. Revenues returned to growth in the second half of the year as interest rates stabilised.

The recent approval of our IRB mortgage models marked a major strategic milestone, significantly enhancing our competitiveness and enabling sustainable business growth now and into the future. I am also delighted to announce a proposed final dividend, the Bank’s first since 2008, which reflects the scale of our transformation and the renewed strength of PTSB.

Eamonn Crowley, Chief Executive