Bank of Ireland Investor Presentation - August 2010Financial .ppt
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1、1,Bank of Ireland Investor Presentation | August 2010 Financial information for the 6 months ended 30 June 2010,2,2,Forward-looking statement,This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934 and Section 27A of the U
2、S Securities Act of 1933 with respect to certain of the Bank of Ireland Groups (the “Group”) plans and its current goals and expectations relating to its future financial condition and performance and the markets in which it operates. These forward looking statements can be identified by the fact th
3、at they do not relate only to historical or current facts. Generally, but not always, words such as “may,” “could,” “should,” “will,” “expect,” “intend,” “estimate,” “anticipate,” “assume,” “believe,” “plan,” “seek,” “continue,” “target,” “goal,” “would”, or their negative variations or similar expr
4、essions identify forward looking statements. Examples of forward looking statements include among others, statements regarding the Groups future financial position, income growth, business strategy, projected costs, projected impairment losses, capital ratios, margins, future payments of dividends,
5、the outcome of the current review of the Groups defined benefit pension schemes, estimates of capital expenditure, discussions with the Irish, European and other regulators and plans and objectives for future operations. Forward looking statements should not be read as a guarantee of future performa
6、nce or results, and will not necessarily be accurate indications of the times at, or by which, such performance or results will be achieved. Rather, they are based on current views and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside the con
7、trol of the Group and are difficult to predict, that may cause the actual results, performance, achievements or developments of the Group or the businesses in which it operates to differ materially from any future results, performance, achievements or developments expressed or implied from the forwa
8、rd looking statements. A number of material factors could cause actual results to differ materially from those contemplated by the forward looking statements, including, among other factors, the following: general economic conditions in Ireland, the United Kingdom and the other markets in which the
9、Group operates; declining property values in Ireland and the United Kingdom; the potential exposure of the Group to various types of market risks, such as interest rate risk, foreign exchange rate risk, credit risk and commodity price risk; financial uncertainties within the EU and in certain member
10、 countries and the potential effects of those uncertainties on the Group; the ability of the Group to access sufficient funding to meet its liquidity needs and the cost to the Group of such funding; the level of net interest margins achieved by the Group; the outcome of the Groups participation in t
11、he Credit Institution (Financial Support) Scheme 2008 and the Credit Institutions (Eligible Liabilities Guarantee) Scheme 2009; the implementation of the final European Commission restructuring plan; changes in the Groups credit ratings or in the credit ratings of Irish Government debt; the effects
12、of the Irish Governments stockholding in the Group (through the National Pension Reserve Fund Commission); the outcome of the Groups participation in National Asset Management Agency (“NAMA”); changes in the Irish banking system; the making of further contributions to the Groups pension schemes; cha
13、nges in applicable laws, regulations and taxes in jurisdictions in which the Group operates; the effects of competition and consolidation in the markets in which the Group operates; and the success of the Group in managing the risks involved in the foregoing.Any forward looking statements speak only
14、 as at the date they are made. The Group does not undertake to release publicly any revision to these forward looking statements to reflect events, circumstances or unanticipated events occurring after the date hereof. The reader should, however, consult the risk factors set forth in the Groups Annu
15、al Report in Form 20-F for the period ended 31 December 2009 and in the Groups interim results announcement for the six months ended 30 June 2010 and any additional disclosures that the Group may make in documents that it may file or submit to the US Securities and Exchange Commission.Disclaimer: Th
16、is presentation, together with any verbal briefings or discussions, comprises materials (the “Materials”) provided by Bank of Ireland by way of general update to debt investors (the “Purpose”). The Materials are only to be used for the Purpose. They include information confidential to Bank of Irelan
17、d / Bank of Ireland Group and are not to be disclosed save with prior written consent of Bank of Ireland. While reasonable care has been taken in the collation of the Materials, they are for information only. Bank of Ireland accepts no responsibility for reliance thereon. You should take independent
18、 appropriate advice in respect of any investment decisions.Bank of Ireland is incorporated in Ireland with limited liability. Bank of Ireland is authorised by the Irish Financial Regulator. Registered Office - Head Office, 40 Mespil Road, Dublin 4, Ireland. Registered Number - C-1. In the UK, Bank o
19、f Ireland is authorised by the Irish Financial Regulator; regulated by the Financial Services Authority for the conduct of UK business. Details about the extent of our authorisation and regulation by the Financial Services Authority are available from us on request.,3,Contents,1. Bank of Ireland ove
20、rview 2. Irish economy & Government finances 3. Group loan book & asset quality 4. National Asset Management Agency (NAMA) 5. Funding & capital 6. Outlook 7. Appendices Group financial highlights June 2010 Contact information,4,Bank of Ireland Group overview,A diversified financial services group es
21、tablished in 1783 Strategic bias towards Ireland and our international businesses where we have clear competitive strengths and capabilities Bank of Ireland a systemically important bank playing a critical role in the operation of the Irish economy Leading position in Ireland no. 1 or no. 2 in all o
22、ur principal product segments* Significant progressed achieved in 6 months to end June 2010 Successfully addressed a range of issues necessary to bring further stability to the Group Bank of Ireland emerged a changed, more focused and strengthened Bank While challenges are not to be underestimated,
23、investment case remains intact continued focus on delivery,*Note: latest data available,Credit Ratings,5,5,Progress made to stabilise the Group,6,Good strategic positions in well defined core markets,Capital and resources dedicated to core businesses where we have competitive strengths and capabilit
24、ies strong positions markets with attractive growth opportunities Funding of core portfolios largely by customer deposits Ongoing focus on credit quality and cost efficiency,6,7,Interim results June 2010,1 Underlying excluding non-core items 2 This figure excludes the impairment charge against asset
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