Net Interest Margin (NIM), Return on Tangible Equity (RoTE), and cost-income ratios across Irish banks. Sourced from 2025 annual reports and investor presentations.
| Metric | AIB (2025) | Bank of Ireland (2025) | Analysis |
|---|---|---|---|
| Net Interest Margin (NIM) | 2.73% | 2.68% | AIB +5bps advantage |
| Return on Tangible Equity (RoTE) | 25.0% | 13.9% (adjusted) | AIB significantly stronger |
| Cost-Income Ratio (CIR) | 44% | 49% | AIB more cost efficient |
| H1 2025 NIM | 2.78% | N/A | AIB H1 stronger than full year |
| H1 2025 RoTE | 21.4% | 14.8% (adjusted) | Both banks showed H1 strength |
Data Source: 2025 annual reports and investor presentations from AIB and Bank of Ireland. AIB shows stronger profitability across all key metrics with higher NIM (2.73% vs 2.68%), significantly better RoTE (25.0% vs 13.9% adjusted), and superior cost efficiency (44% CIR vs 49%).
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Next update: Adding historical data and interactive D3.js charts for NIM trends