AIB (NI)
AIB (NI) is the Northern Ireland trading name of AIB Group (UK) p.l.c., a bank incorporated in Northern Ireland that lends to local businesses, property investors and developers through sector relationship teams, with invoice and asset finance alongside.
Why they are included
AIB (NI) is the Northern Ireland trading name of AIB Group (UK) p.l.c., a wholly owned subsidiary of Allied Irish Banks, p.l.c. that trades as Allied Irish Bank (GB) in Great Britain. In Northern Ireland it runs a full banking service for personal and business customers through seven branches, while a corporate banking team of sector specialists in the same company works with customers across Great Britain and Northern Ireland. Its published sector teams cover agri-food, healthcare, hotels and hospitality, manufacturing and real estate, where it funds property investment and development for experienced developers, and its invoice finance advances up to 90% of outstanding invoices. The UK company wrote £1.69bn of new lending in 2025, and property and construction made up £2.39bn of its £5.37bn gross customer loans at the year end.
How to read them as a baseline
AIB (NI) fits a Northern Ireland business or property investor raising £3–15m that wants a relationship bank with a sector team, particularly in hotels and hospitality, where it states it funds acquisitions and development, and in commercial and residential property investment. Outside residential mortgages, its UK loan book was most concentrated at the end of 2025 in commercial investment property, residential investment property, housing associations, student housing and leisure, the areas where its published appetite is clearest.
When the market needs to move beyond them
Since Brexit it holds no banking licence in the Republic of Ireland and cannot market or actively offer its full product range to residents there. AIB Group's excluded activities list bars new term lending to relationship-managed businesses in activities including coal and oil extraction and fracking, and no private-equity or leveraged-finance proposition is published. Corporate pricing, speed and facility sizes are not published.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- No private-equity sponsor proposition published; the published offer is relationship lending to Northern Ireland businesses, property investors and developers
- Where they lend
- Northern Ireland, through seven branches and local business teams; business loans require a company incorporated and registered in the UK, and since Brexit it cannot actively offer products to Republic of Ireland residents. The corporate banking team in the same company works across Great Britain and Northern Ireland
- How they decide
- Through sector relationship management teams; decision process and timing not published
As published by the lender and last reviewed September 2026. Terms quoted on a deal are set by the credit, not by a published band.
How they sit against the category
- Like 6 of the 12, it publishes no indicative price — a margin comes from a conversation, not a page.
Counted across the 12 clearing & relationship banks in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
Can AIB (NI) lend to businesses in the Republic of Ireland?
Not as a matter of course. AIB (NI) told the Assembly's Finance Committee in June 2025 that, since Brexit, it holds no banking licence in the Republic and cannot market or actively offer its full product range to residents there.
What property lending does AIB (NI) publish?
Its real estate team lends to investors in industrial, office, hospitality, healthcare and residential property, and funds residential, commercial and mixed-use development for experienced developers on sites with planning permission.
How much does AIB (NI) advance against invoices?
Up to 90% of the value of outstanding customer invoices, released upfront under its invoice finance facility.
Which activities does AIB (NI) exclude from term lending?
AIB Group's excluded activities list applies to relationship-managed business customers with exposure above £300,000 and bars new term lending to businesses involved in activities including oil sands, coal or oil extraction and fracking.
How much new lending did AIB (NI)'s UK company write in 2025?
AIB Group (UK) p.l.c., which trades as AIB (NI) in Northern Ireland and Allied Irish Bank (GB) in Great Britain, wrote £1.69bn of new lending in 2025, £253m more than in 2024, with net loans up 13% to £5.3bn.
On the record
June 2025: AIB (NI) told the Northern Ireland Assembly's Finance Committee that, since Brexit, it holds no banking licence in the Republic of Ireland and cannot market or actively offer its full product range to residents there.
June 2025: In the same letter AIB (NI) set out AIB Group's excluded activities list, which bars new term lending to relationship-managed business customers with exposure above £300,000 in activities including coal and oil extraction, fracking and online pornography.
July 2025: AIB (NI) launched a Business Sustainability Loan of up to £100,000 for Northern Ireland business and agriculture customers moving to a lower-carbon economy.
March 2026: AIB Group (UK) p.l.c., which trades as AIB (NI) and Allied Irish Bank (GB), reported £1.69bn of new lending in 2025, £253m more than in 2024 and led by the property and diversified sectors, with net loans up 13% to £5.3bn and profit before tax of £249m.
Sources: aibni.co.uk · aibni.co.uk · aibni.co.uk · aibni.co.uk · aibni.co.uk · aib.ie · niassembly.gov.uk
This page is a comparison baseline drawn from public sources, not financial advice, a product profile or a recommendation. A clearing bank's role in a given raise is established by testing the credit against the market, not inferred from a page.