Download full report with analyst certification and important disclosures
Sep 11 2025, 07:00 IST/BST
Banks
Irish retail interest rates and deposit volumes
- Sectors : Banks
- Companies : permanent tsb Group | AIB Group | Bank of Ireland
Ratings
Ratings and price correct at time of issue
| Company | Rating | Date | Previous Rating | Date | Closing Price |
|---|---|---|---|---|---|
| AIB Group | OUTPERFORM | 23/01/19 | Neutral | 14/08/18 | 756c |
| Bank of Ireland | OUTPERFORM | 11/03/13 | Neutral | 14/08/12 | 1365c |
| permanent tsb Group | OUTPERFORM | 04/02/21 | Neutral | 06/03/19 | 228c |
DAVY VIEW
Irish retail lending and deposit rates continue to decline in line with the European Central Bank (ECB) deposit rate, albeit at a slower pace. Deposit volumes remain in growth territory, but inflows to term accounts are slowing. This deceleration – combined with falling deposit rates – is expected to ease funding costs and support interest margin improvement for the banks.
