 |
|
|
|
|
|
| Earnings - Operating Profit |
|
|
|
|
|
2009 |
| |
€m |
|
% |
|
|
|
|
|
|
| Life Assurance |
102 |
|
|
|
|
|
|
|
|
| Banking & Other |
(270) |
|
|
|
|
|
|
|
|
| Associate |
(2) |
|
|
|
|
|
|
|
|
| Other |
(26) |
|
|
|
|
|
|
|
|
| |
(196) |
|
|
|
|
|
|
|
|
| |
| Operating Earnings per share (cent) |
(66) |
|
|
|
|
|
|
|
|
| Life Assurance Investment Mix: Unit-linked |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Equities |
13.4 |
|
54 |
|
|
|
|
|
|
| Property |
1.8 |
|
7 |
|
|
|
|
|
|
| Debt securities |
6.7 |
|
27 |
|
|
|
|
|
|
| Cash/Other |
2.9 |
|
12 |
|
|
|
|
|
|
| |
24.8 |
|
100 |
|
|
|
|
|
|
| Life Assurance Investment Mix: Non-linked |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Equities |
0.1 |
|
4 |
|
|
|
|
|
|
| Property |
0.1 |
|
4 |
|
|
|
|
|
|
| Cash/Other |
0.4 |
|
17 |
|
|
|
|
|
|
| Debt securities |
1.7 |
|
74 |
|
|
|
|
|
|
| |
2.3 |
|
100 |
|
|
|
|
|
|
| Life Assurance Investment Mix: Non-linked Debt Securities |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| AAA |
1.3 |
|
76 |
|
|
|
|
|
|
| AA |
0.4 |
|
22 |
|
|
|
|
|
|
| A |
0.02 |
|
1 |
|
|
|
|
|
|
| |
1.7 |
|
100 |
|
|
|
|
|
|
| Bank Loan Book |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Residential Mortgages (ROI)* |
27.3 |
|
70 |
|
|
|
|
|
|
| Residential Mortgages (UK)* |
7.5 |
|
19 |
|
|
|
|
|
|
| Commercial Mortgages |
2.4 |
|
6 |
|
|
|
|
|
|
| Consumer Finance |
1.7 |
|
5 |
|
|
|
|
|
|
| Total |
38.9 |
|
100 |
|
|
|
|
|
|
| *including securitised loans |
|
|
|
|
| Bank Liquidity Portfolio |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Sovereign Bonds |
3.6 |
|
48 |
|
|
|
|
|
|
| Bank FRNs |
3.2 |
|
43 |
|
|
|
|
|
|
| RMBS (prime Euro denominated) |
0.6 |
|
8 |
|
|
|
|
|
|
|
|
|
|
|
| |
7.4 |
|
100 |
|
|
|
|
|
|
| |
€bn |
|
% |
|
|
|
|
|
|
| AAA |
2.5 |
|
34 |
|
|
|
|
|
|
| AA |
3.9 |
|
53 |
|
|
|
|
|
|
| A |
0.7 |
|
9 |
|
|
|
|
|
|
| BAA |
0.2 |
|
3 |
|
|
|
|
|
|
| C & lower |
0.1 |
|
1 |
|
|
|
|
|
|
| |
7.4 |
|
100 |
|
|
|
|
|
|
| Bank Funding Mix |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Term debt |
13.0 |
|
27 |
|
|
|
|
|
|
| Customer Accounts |
15.7 |
|
33 |
|
|
|
|
|
|
| Short-term debt |
19.4 |
|
40 |
|
|
|
|
|
|
|
|
|
48.1 |
|
100 |
|
|
|
|
|
|
| Capital Strength |
|
|
|
|
| Regulatory Capital |
|
|
|
|
|
|
|
|
|
| Life Assurance - RMMS cover |
1.6 times |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
| Banking - Basel II |
|
|
|
|
|
|
|
|
|
| Total / Core Tier 1 capital ratio |
9.2% |
|
|
|
|
|
|
|
|
| Ratings |
|
|
|
|
|
|
|
|
|
| Covered by Irish Government guarantee |
|
|
|
|
| Moodys |
Aa1/P1 |
|
|
|
|
|
|
|
|
| Standard & Poors |
AA/A-1+ |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Outside Irish Government guarantee |
|
|
|
|
| Moodys |
A2/P1 |
|
|
|
|
|
|
|
|
| Standard & Poors |
BBB+/A-2 |
|
|
|
|
|
|
|
|
| New Business |
|
|
|
|
| Life Assurance Sales (APE) |
2009 |
| |
€m |
|
% |
|
|
|
|
|
|
| Retail |
159 |
|
29 |
|
|
|
|
|
|
| Corporate |
164 |
|
30 |
|
|
|
|
|
|
| Irish Life Investment Managers |
191 |
|
35 |
|
|
|
|
|
|
| Irish Life International |
25 |
|
5 |
|
|
|
|
|
|
| Total |
539 |
|
100 |
|
|
|
|
|
|
| New Business Margin (APE) |
|
|
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Life |
11.4 |
|
|
|
|
|
|
|
|
| Investment |
5.9 |
|
|
|
|
|
|
|
|
| Life Assurance Sales (PVNBP) |
2009 |
| |
€m |
|
% |
|
|
|
|
|
|
| Retail |
1,096 |
|
25 |
|
|
|
|
|
|
| Corporate |
1,050 |
|
24 |
|
|
|
|
|
|
| Irish Life Investment Managers |
1,908 |
|
44 |
|
|
|
|
|
|
| Irish Life International |
252 |
|
6 |
|
|
|
|
|
|
| Total |
4,306 |
|
100 |
|
|
|
|
|
|
| New Business Margin (PVBNP) |
|
|
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Life |
1.6 |
|
|
|
|
|
|
|
|
| Investment |
0.6 |
|
|
|
|
|
|
|
|
| Banking New Lending |
|
|
|
|
|
2009 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Residential Mortgages (Irl) |
0.8 |
|
67 |
|
|
|
|
|
|
| Residential Mortgages (UK) |
0.0 |
|
0 |
|
|
|
|
|
|
| Commercial Mortgages |
0.0 |
|
0 |
|
|
|
|
|
|
| Consumer Finance |
0.4 |
|
33 |
|
|
|
|
|
|
| Total |
1.2 |
|
100 |
|
|
|
|
|
|
| |
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Net Interest Margin |
0.83 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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