 |
|
|
|
|
|
| Earnings - Operating Profit |
|
|
|
|
|
2007 |
| |
€m |
|
% |
|
|
|
|
|
|
| Life Assurance |
346 |
|
59 |
|
|
|
|
|
|
| Banking & Other |
215 |
|
36 |
|
|
|
|
|
|
| Associate |
29 |
|
5 |
|
|
|
|
|
|
| |
590 |
|
100 |
|
|
|
|
|
|
| |
|
|
|
|
|
| Total Earnings per Share (cent) |
147 |
|
|
|
|
|
|
|
|
| Operting Earnings per Share (cent) |
195 |
|
|
|
|
|
|
|
|
| Life Assurance Investment Mix: Unit-linked |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Equities |
17.1 |
|
61 |
|
|
|
|
|
|
| Property |
3.4 |
|
12 |
|
|
|
|
|
|
| Debt securities |
5.2 |
|
19 |
|
|
|
|
|
|
| Cash/Other |
2.3 |
|
8 |
|
|
|
|
|
|
| |
28.0 |
|
100 |
|
|
|
|
|
|
| Life Assurance Investment Mix: Non-linked |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Equities |
0.1 |
|
4 |
|
|
|
|
|
|
| Property |
0.1 |
|
4 |
|
|
|
|
|
|
| Cash/Other |
0.6 |
|
24 |
|
|
|
|
|
|
| Debt securities |
1.7 |
|
68 |
|
|
|
|
|
|
| |
2.5 |
|
100 |
|
|
|
|
|
|
| Life Assurance Investment Mix: Non-linked Debt Securities |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| AAA |
1.2 |
|
70 |
|
|
|
|
|
|
| AA |
0.4 |
|
23 |
|
|
|
|
|
|
| A |
0.1 |
|
7 |
|
|
|
|
|
|
| |
1.7 |
|
100 |
|
|
|
|
|
|
| Bank Loan Book |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Residential Mortgages (Irl)* |
26.3 |
|
67 |
|
|
|
|
|
|
| Residential Mortgages (UK)* |
8.3 |
|
21 |
|
|
|
|
|
|
| Commercial Mortgages |
2.3 |
|
6 |
|
|
|
|
|
|
| Consumer Finance |
2.3 |
|
6 |
|
|
|
|
|
|
| Total |
39.2 |
|
100 |
|
|
|
|
|
|
| *including securitised loans |
|
|
|
|
| Bank Liquidity Portfolio |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Sovereign Bonds - AAA |
2.5 |
|
59 |
|
|
|
|
|
|
| Bank FRNs |
1.2 |
|
28 |
|
|
|
|
|
|
| RMBS (prime Euro denominated) |
0.5 |
|
13 |
|
|
|
|
|
|
|
|
|
|
|
| |
4.2 |
|
100 |
|
|
|
|
|
|
| |
€bn |
|
% |
|
|
|
|
|
|
| AAA |
3.1 |
|
73 |
|
|
|
|
|
|
| AAA |
0.8 |
|
20 |
|
|
|
|
|
|
| A |
0.3 |
|
7 |
|
|
|
|
|
|
| |
4.2 |
|
100 |
|
| Bank Funding Mix |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Long-term debt |
9.9 |
|
23 |
|
|
|
|
|
|
| Securitisation |
3.1 |
|
7 |
|
|
|
|
|
|
| Customer Accounts |
14.6 |
|
34 |
|
|
|
|
|
|
|
|
| Extendible Notes |
1.5 |
|
3 |
|
|
|
|
|
|
| Debposits by Banks - unsecured |
1.5 |
|
3 |
|
|
|
|
|
|
| Debposits by Banks - unsecured |
2.6 |
|
6 |
|
|
|
|
|
|
| ECB Repo |
5.3 |
|
12 |
|
|
|
|
|
|
| Commercial Paper & CDs |
5.3 |
|
12 |
|
|
|
|
|
|
|
|
| Total |
43.8 |
|
100 |
|
|
|
|
|
|
| Capital Strength |
|
|
|
|
| Regulatory Capital |
|
|
|
|
|
|
|
|
|
| Life Assurance - RMMS cover |
1.6 times |
|
|
|
|
|
|
|
|
| Banking - Total /Tier1 capital ratio |
10.4% |
|
|
|
|
|
|
|
|
| Ratings |
|
|
|
|
|
|
|
|
|
| Moodys |
Aa3/P1 |
|
|
|
|
|
|
|
|
| Standard & Poors |
A+/A-1 |
|
|
|
|
|
|
|
|
| New Business |
|
|
|
|
| Life Assurance Sales (APE) |
2007 |
| |
€m |
|
% |
|
|
|
|
|
|
| Retail |
414 |
|
41 |
|
|
|
|
|
|
| Corporate |
220 |
|
22 |
|
|
|
|
|
|
| Irish Life Investment Managers |
341 |
|
34 |
|
|
|
|
|
|
| Irish Life International |
39 |
|
4 |
|
|
|
|
|
|
| Total |
1,014 |
|
100 |
|
|
|
|
|
|
| New Business Margin (APE) |
|
|
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Life |
19.2 |
|
|
|
|
|
|
|
|
| Investment |
7.4 |
|
|
|
|
|
|
|
|
| Life Assurance Sales (PVNBP) |
2007 |
| |
€m |
|
% |
|
|
|
|
|
|
| Retail |
2,745 |
|
35 |
|
|
|
|
|
|
| Corporate |
1,355 |
|
17 |
|
|
|
|
|
|
| Irish Life Investment Managers |
3,406 |
|
43 |
|
|
|
|
|
|
| Irish Life International |
390 |
|
5 |
|
|
|
|
|
|
| Total |
7,896 |
|
100 |
|
|
|
|
|
|
| New Business Margin (PVBNP) |
|
|
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Life |
2.9 |
|
|
|
|
|
|
|
|
| Investment |
0.7 |
|
|
|
|
|
|
|
|
| Banking New Lending |
|
|
|
|
|
2007 |
| |
€bn |
|
% |
|
|
|
|
|
|
| Residential Mortgages (Irl) |
7.0 |
|
57 |
|
|
|
|
|
|
| Residential Mortgages (UK) |
3.3 |
|
27 |
|
|
|
|
|
|
| Commercial Mortgages |
0.7 |
|
6 |
|
|
|
|
|
|
| Consumer Finance |
1.3 |
|
11 |
|
|
|
|
|
|
| Total |
12.4 |
|
100 |
|
|
|
|
|
|
| |
|
|
|
|
| |
% |
|
|
|
|
|
|
|
|
| Net Interest Margin |
1.17 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
| Cost / Income Ratio |
|
|
|
|
|
|
|
|
|
| - Reported |
55 |
|
|
|
|
|
|
|
|
| - Incl. Bank EV Earnings |
49 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Back to top