Better Health for All

AIB Group PLC excludes sectors with established negative health impacts, such as tobacco, gambling, and alcohol, from its activities.

As a financial services provider, the company's products do not have direct safety implications for physical or mental health, nor do they constitute health-related products requiring price accessibility or health risk transparency. AIB's operations generate positive health externalities through its partnership with FoodCloud, which redistributed over 23 million meals and removed 30,956 tonnes of CO2 emissions in 2022. The company demonstrates excellent mental health initiatives, with one in 10 employees certified as mental health advocates, and provides a comprehensive Employee Assistance Programme (EAP) and wellness rooms. AIB's business activities do do not involve pharmaceutical patents, food production, health education, addiction potential in its products, or clinical trials. While AIB has robust data protection for customer data, it does not specifically collect or manage health-related data.

Honest & Fair Business

AIB Group PLC was fined €83.3 million by the Central Bank of Ireland on June 22, 2022, for 57 admitted regulatory breaches related to its treatment of tracker mortgage customers.

These failings, which occurred between August 2004 and March 2022, impacted 10,015 mortgage accounts, leading to over €125 million in redress and compensation, and 53 properties lost. The company reported one restatement of 2023 GHG figures in 2024. AIB has a Financial Crime policy that includes anti-bribery and corruption, and its Responsible Supplier code requires key suppliers to attest annually to an Anti-Bribery & Corruption policy. The company's ethical claims and compliance are subject to independent verification in several areas: Forvis Mazars provided limited assurance on the Social and Green Bond Allocation Reports for the year ended December 31, 2024; Sustainalytics provided a Second Party Opinion on the Green Bond Framework; and a third-party independent verification based on ISO14064-3 was completed for AIB Group-level emissions. Additionally, independent technical and legal due diligence is required for large Project Finance/Infrastructure projects, and independent third-party due diligence is conducted for Category A projects to verify environmental and social risk management plans and ensure Equator Principles compliance.

Kind to Animals

As a financial services group, AIB's core business model means many KPIs related to direct animal operations, products, or testing are not applicable and lack specific data points for scoring. For public policy engagement, AIB is registered as a lobbyist

but explicitly states it does not actively lobby, indicating no active engagement in animal welfare policy improvement or advocacy. AIB's exclusion list prohibits financing the development of genetic engineering on animals for non-medical purposes, producing animal fur, supporting animal fights, and using destructive fishing methods; however, this evidence does not directly address the specific criteria for an 'animal testing policy' KPI. While AIB supports initiatives like the All-Ireland Pollinator Plan and its customers undertake biodiversity actions, the provided articles do not offer measurable biodiversity impact or species recovery metrics directly attributable to AIB's own conservation initiatives.

No War, No Weapons

AIB has an Excluded Activities List that bans financing for anti-personnel landmines, cluster munitions, and Weapons of Mass Destruction (nuclear, biological, chemical, and toxin weapons).

This policy, however, applies only to business customers with a Gross Connected Exposure over £/€300k who are relationship managed. The company is committed to preventing the use of its systems to bypass sanctions laws. , with 99% of employees completing AML, CTF, and Sanctions training in 2024. AIB's Responsible Supplier Code requires adherence to international human rights laws and prohibits child/forced labor. In 2022, an exercise identified approximately 1% (40 out of 4,000) of suppliers as potentially high-risk for Modern Slavery, leading to enhanced due diligence. AIB's Human Rights Commitment is shaped by the UN Guiding Principles on Business and Human Rights, and it publishes a UN Human Rights Global Compact Communication on Progress, most recently in July 2024.

Planet-Friendly Business

AIB Group's total Scope 1, 2, and 3 greenhouse gas emissions, including financed emissions, were approximately 2.22 million tCO2e

, with operational Scope 1 and 2 emissions showing a year-on-year decline since 2019. The company has SBTi-validated targets covering 75% of its loan book and 36% of its total investment and lending , with specific intensity reduction goals for residential mortgages and commercial real estate by 2030 , and a commitment to finance only 1.5°C aligned electricity generation projects. AIB aims for net-zero emissions in its own operations by 2030 and for its lending portfolio by 2040 , with interim milestones. The company reported a waste diversion rate of 67.94% in 2023. AIB states it fully implements TCFD recommendations and conducts climate stress testing that considers physical and transition risks across multiple scenarios to inform strategic decisions. Lending linked to fossil fuel activities represents less than 1% of its total lending. Furthermore, 1% of AIB's water withdrawn and consumed in 2023 was from high water-stressed regions.

Respect for Cultures & Communities

AIB demonstrates strong local engagement through its procurement and training initiatives. In 2022, 89% of its €1.1 billion procurement spend was directed to suppliers in Ireland and the United Kingdom.

The company also achieved a 91.3% completion rate for its Inclusion & Diversity training module for leaders, staff, and contractors, and all staff in its 170 branches are trained to be Autism-friendly. AIB has 14 formal partnerships with various community and cultural groups, including GOAL, FoodCloud, and the National Gallery of Ireland. The company has adopted the Equator Principles, a globally recognized framework for assessing and managing environmental and social risks in project finance, which covers cultural site protection and impact assessment. No cultural appropriation incidents have been reported. Standard grievance mechanisms are in place for employees, customers, and suppliers, but not explicitly for broader community concerns. Free, Prior and Informed Consent (FPIC) processes are not applicable to AIB's operations.

Zero Waste & Sustainable Products

AIB Group achieved a waste diversion rate of 67.8% in 2023 across its operations in Ireland, the United Kingdom, and the United States, diverting waste through recycling, reuse, or sale.

The company has implemented numerous waste reduction initiatives, including the removal of disposable coffee cups, providing recycling and reuse workshops for staff, and establishing systems to reuse water for landscaping. These efforts contributed to a 33% reduction in waste per employee in 2019 and the elimination of 11.5 million plastic containers from waste streams between 2017 and 2019. AIB also ensures proper handling of electronic waste by adhering to Waste of Electrical and Electronic Equipment (WEEE) regulations for its IT equipment. No waste disposal violations or citations were reported in the provided information.