Ireland · Credit institution
Ebs D.A.C.
Legal name in the LEI recordEBS DESIGNATED ACTIVITY COMPANY
EBS d.a.c. is a designated activity company registered in Ireland, with its registered office at 10 Molesworth Street, Dublin 2. It is a wholly owned subsidiary of Allied Irish Banks, p.l.c., which is in turn wholly owned by AIB Group plc. The bank holds an Irish banking licence and provides residential mortgages, savings and bancassurance products through its office network. It was founded in 1935 as the Educational Building Society and was acquired by AIB on 1 July 2011 as EBS Limited.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- EBS Designated Activity Company
- Entity type
- Credit institution
- Supervised group (ECB)
- AIB Group plc
- Why significant
- Size (Total assets EUR 100-150 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- EBS Designated Activity Company
- RIAD code
- IEEBS-BS
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Central Bank of Ireland (CBI) | 2011-07-01 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- EBSIIE2DXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under EBSIIE2D directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · VOP · T2 · TIPS
- Branch codes
- 2 branch codes
- BIC first registered
- 1994-12-03
- Last updated
- 2018-03-24
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Allied Irish Banks, p.l.c.
Institution type
Commercial bank
Trades as EBS
- Ownership
- Allied Irish Banks, p.l.c. holds 100% of the bank and is itself wholly owned by AIB Group plc.
- Direct parent
- Allied Irish Banks, p.l.c., Ireland 100%
- Ultimate owner
- AIB Group plc, Ireland
- Head office
- 10 Molesworth Street, D02 R126 Dublin, Ireland
- Company register
- 500748, Companies Registration Office (Ireland)
- Former names
- EBS Limited · EBS Building Society (Educational Building Society)
Business lines
According to its 2025 annual report, the bank provides residential mortgages, savings and bancassurance products through its office network, and outsources most of its activities to AIB under a Managed Services Agreement.
Online
- Websites & references
- ebs.ie ↗
onlinebanking.ebs.ie ↗ online banking portal
offices.ebs.ie ↗ branch (office) locator
Wikipedia ↗ - Official social accounts
- Facebook ↗ · Instagram ↗ · YouTube ↗ · Pinterest ↗
Sources · 10 pages consulted
- ebs.ie/
- ebs.ie/about-ebs
- ebs.ie/annual-reports-and-results
- ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf
- onlinebanking.ebs.ie/EBSOnlineBankingApp/Login
- ebs.ie/support/daily-online-banking-faqs/current-account-faqs
- ebs.ie/content/dam/ebs/pdfs/savings/ebs-deposit-guarantee-scheme-depositor-information-sheet.pdf
- rte.ie/news/business/2026/0129/1555701-aib-invests-26m-in-branch-network/
- irishtimes.com/business/2026/09/28/cerberus-paid-less-than-half-face-value-for-300m-of-troubled-aib-loan
- en.wikipedia.org/wiki/EBS_d.a.c.
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Paul Butler Managing Director
- Chair
- Peter Hagan Independent Non-Executive Director and Chair
- Executive
- Paul Owens Independent Non-Executive Director (Audit Committee chair in 2025)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Ireland
- Central Bank of Ireland Prudential supervisorCentral bankAML supervisorConductResolution
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- European Union
- Single Resolution Board Resolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Ann O'Brien, a non-executive director, resigned from the bank's board on 31 December 2025.
ebs.ie ↗ -
Other
The bank sold a portfolio of non-performing mortgage loans with a carrying value of EUR 93 million, as part of an AIB group loan sale.
irishtimes.com ↗ -
Other
The Irish Government reduced its shareholding in AIB Group plc, the bank's ultimate parent, to zero.
ebs.ie ↗ -
Other
Liquidators were appointed on 16 December 2024 to wind up EBS Mortgage Finance u.c., a dormant subsidiary of the bank.
ebs.ie ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- EBSIIE2DXXX
- How the BIC breaks down
- EBSIBank
- IECountry · Ireland
- 2DLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300QS0R6M20VUB380
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Ireland · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Allied Irish Banks Public Limited Company · Ireland3U8WV1YX2VMUHH7Z1Q21 ↗
- Ultimate parent
- Aib Group Public Limited Company · Ireland635400AKJBGNS5WNQL34 ↗
The Aib Group Public Limited Company group has 6 institutions in the directory, in 3 countries: all hold a BIC.
Including Aib, Public Limited Company, Aib Bank, Aib Mortgage Bank, Goodbody Stockbrokers, Aib Group (UK) PLC.
See the Aib Group Public Limited Company group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- THE EBS BUILDING 2 BURLINGTON ROAD DUBLIN 4 76 IRELAND
- Operational address
- EBS BUILDING 2 BURLINGTON ROAD DUBLIN DUBLIN 4 POB 76 IRELAND
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>EBSIIE2DXXX</BICFI>
<LEI>549300QS0R6M20VUB380</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>EBSIIE2DXXX</BICFI>
<LEI>549300QS0R6M20VUB380</LEI>
<Nm>EBS D.A.C.</Nm>
<PstlAdr>
<TwnNm>DUBLIN</TwnNm>
<Ctry>IE</Ctry>
<AdrLine>THE EBS BUILDING 2 BURLINGTON ROAD DUBLIN 4 76</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2011-12-05 | Branch BIC only | — |
| SEPA Instant Credit TransferISO 20022 messages | 2024-12-02 | Branch BIC only | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-08-09 | Branch BIC only | — |
| Verification of Payee | 2025-10-05 | Branch BIC only | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
A branch BIC counts only when its LEI or its listed name matches this institution.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Network
Branch network
All 2 branch BICs connect to the head office. They are all in Dublin, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| EBSIIE2DEMF | EBS MORTGAGE FINANCE | Dublin | EBS BUILDING 2 BURLINGTON ROAD DUBLIN DUBLIN 4 IRELAND | — | 2018-03-24 |
| EBSIIE2DSDD | — | Dublin | DUBLIN DUBLIN IRELAND | — | 2018-03-24 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
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