Irish Life & Permanent is a leading financial services provider in the Irish market enjoying strong market positions in life and pensions, asset management and retail banking.

The group's strategic focus is on the Irish personal financial services market. The group has a low-risk business profile, with business activities mainly in secured lending and unit-linked life business. The main strategic challenges facing the group are adapting the business to the impact of the economic recession in Ireland and developing a future strategy for permanent tsb - the banking business of the group.

Our strength has been, and will continue to be, built on our leading franchises in the long term savings market and in retail banking under the Irish Life and permanent tsb brands respectively. These franchises are based on the delivery of high quality products and service to our customers, providing maximum access through a wide variety of distribution channels.