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May 8 2026, 07:01 IST/BST
Banks
Central Bank updates – market concentration in lending and capital levels reaffirmed
- Sectors : Banks
- Companies : 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 | 981c |
| Bank of Ireland | OUTPERFORM | 11/03/13 | Neutral | 14/08/12 | 1682c |
DAVY VIEW
The Central Bank of Ireland (CBI) finds that lending market concentration is lower than expected once non‑bank lenders (NBL), credit unions and foreign banks are included rather than focusing solely on domestic retail banks. These lenders are particularly active in consumer finance and business lending, materially reducing concentration in both segments. By contrast, concentration in the residential mortgage market remains moderately elevated. Separately, the CBI has reaffirmed current regulatory capital requirements and see no evidence to justify a reduction.
