Investor Presentaiton
Group Structure - Growing on a Diversified Platform
PBT by Division
Group Divisional Profitability***
Mar 06
Mar 05
%
€m
€m
Change
Life
Retail ROI
550
465
18
9%
AMS
6%
Bank of Ireland Life
134
81
65
Retail
36%
Wholesale FS
386
325
19
UKFS
UKFS*
349
332
5
23%
Asset Mgmt Services
85
125
372
(32)
Group Centre
(111)
(122)
9
Underlying PBT
1393
1206
16
10
Wholesale
26%
Non-core items**
206
14
Profit Before Tax
1599
1220
31
*** Excludes Group Centre
.
• Excellent growth in Retail, Life and Wholesale: Strong volume growth, excellent cost
control and asset quality
⚫UK Financial Services poised for significant profit uplift
•Profit decline in Asset Management as guided - broadening scope of activities
*POFS fully consolidated from 1st August 2004
9
** 2006 figures mainly consist of a €176m profit on disposal of the B&W branch network
Bank of Ireland GroupView entire presentation