Client

Question 1

What are client’s strategic pillars?

Answer 1

1. Customer first
2. Simple & efficient
3. Risk & Capital
4. Talent & Culture
5. Sustainable communities

Question 2

What are current accelerating trends?

Answer 2

Sustainability
Digitalization
Ways of working

Question 3

Strategy - Ways of working

Answer 3

1. Balanced workforce 50 external / 50 internal

2. Supporting work from home, less premises

Question 4

Strategy - Business model

Answer 4

1. UK - refocus from SME banking to corporate banking

2. deversification of income, more non-interests based income, new products - capital markets, pensions, wealth mngt…

Question 5

Strategy 2030

Answer 5

1. Excellent customer experience as a digital bank across all segments
2. Cost challenge addressed for a leaner, more agile business
3. Strong & resilient balance sheet to deliver sustainable profitability
4. Diversify income streams and improve the breadth of our offerings
5. Drive the sustainability agenda through culture, processes and credit provision

Question 6

Values

Answer 6

Drive progress
Be one team
Show respect
Own the outcome
Eliminate complexity

Question 7

Customer facing segments & Locations

Answer 7

Retail Banking - Ireland
Capital markets - Ireland, USA
SME > Corporate banking - AIB UK

Question 8

AIB brands

Answer 8

AIB
ESB (mortgages)
AIB merchant services
Goodbody
Payzone (payments)
Haven (mortgages)
Nifti (autolease fleet mngt)

Question 9

Main products & services

Answer 9

Mortgages, 
personal, SME and corporate lending, 
payment services, 
credit card services and deposits. 
Where we provide non-core banking products, for example general insurance, we typically partner with  market leaders.

Question 10

Strategic priorities

Answer 10

1. End to end credit
2. Refocused branch network - focus on sales and advisory
3. Future of work - less branch/office work, digital banking, balanced worforce between internal/external employees
4. Product gaps - diversification of products, more non-interest based services - capital markets, wealth mngt, pensions…
5. AIB GB business model - shifting from SME to corporate banking
6. Simplification
7. Sustainable communities

Question 11

Stakeholders / engagement (how they will engage, check sust. report)

Answer 11

Customers
Employees
Vendors
Investors
Regulators
Society & Community