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1 3rd September 2003
2 Index Section Page Introduction 1-3 Group Financial Results 4-6 Life Financials - Ireland 7-10 Bank Financials Associate & Exceptional Items Capital & Dividend Review of Life Business Review of Banking Business Change Programmes & Outlook Additional Information
3 3 Interim Results 2003 Overview Good performance in more difficult market Banking out-performance compensates for weaker life and pensions market Cost reductions / margin squeeze Strengthening market position
4 4
5 5 Total Profit after Tax 30 June 30 June Change m m % Total Contribution Short Term Investment fluctuations 6.7 (59.9) Goodwill (5.9) (5.8) Exceptional items & Economic variance (49.4) Total Profit before tax (33) Taxation & Levy (30.3) (20.7) Minority Interest Total Profit after tax (41) Basic EPS 41.3c 68.0c
6 6 Total Contribution 30 June 30 June Change m m % Ireland & UK Life Assurance (11) Banking & Other Share of Associate Other Investment Earnings US Total Contribution
7 7 Life Assurance - Contribution 30 June 30 June Change Ireland New Business m 18.2 m 36.3 % Existing Business Unwind of Discount Rate Experience Variances Assumption Changes Expected Investment returns Other Income (5) UK (11)
8 Life Assurance - Ireland Value of New Business/Margins 30 June 30 June Change VNB Life m 16.0 m 33.1 % ILIM (50) Sales Life ILIM (43) Margins % % Life ILIM Total Margin
9 9 Life Assurance -Ireland Experience Variances Assumption Changes 30 June 30 June 30 June 30 June m m m m Persistency Risk Other (0.6)
10 10 Ireland Life Assurance - Costs 30 June 30 June Change m m % Commissions & fees Operating costs US & UK Corporate
11 11 Banking & Other - Contribution 30 June 30 June Change m m % Net Interest Income Gain on disposal of hedge securities Other Income (net) Expenses (124.2) (124.2) Bad & Doubtful Debts (6.3) (7.1) Contribution
12 Banking - Margins m % Jun-03 1 Net Interest Income Net Interest Margin 12
13 13 Banking - Margins 2003 Movement FY Retail (0.05) Funding (0.03) HY Including gain on hedge portfolio 0.13 HY %
14 Banking & Other - Non Interest Income 30 June 30 June Change m m % Fees & Commissions receivable Fees & Commissions payable (15.7) (12.7) Dealing profits Other income Property Management (2) Note: Bank Embedded Value earnings 13.7m (2002: 22.0m) included in Life 14
15 15 Banking & Other - Expenses 30 June 30 June Change m m % Banking (3) Corporate & Other Cost/Income Ratio % % Reported Incl. Commission Incl. Bank EV Earnings 53 61
16 16 Banking - Debt Provisions 30 June 30 June m m Opening Balance Charge for Period Amounts Written Off (3.5) (2.8) Closing Balance % % Reserve Ratio Arrears Ratio
17 17 Associate - Allianz-Irish Life 30 June 30 June m m Contribution Short term investment fluctuations 0.8 (20.1) 17.1 (15.2) Note: Contribution includes expected/normalised investment returns
18 Exceptional Items & Economic Variance 30 June 30 June m m Disposal of businesses (49.6) Profit on disposal of branch properties (46.6) Economic Variance* (2.8) 1.6 (49.4) * Impact of changes in embedded value economic assumptions 18
19 19 Capital & Reserves 30 June Capital generated 2003 m Banking and other earnings 65.0 property revaluation 80.4 Life net worth movement earnings 73.7 US disposal / other 75.8 Associate 14.5 Post Balance sheet Tier 2 issue 150.0
20 Capital Ratios 30 June 31 Dec Bank capital adequacy 10.0% 10.0% Life solvency cover (Irish Life) 2.2 times 1.7 times NAV per share
21 21 Interim Dividend 30 June 30 June Change % Dividend 15.0c 14.3c 5 EPS* 58.2c 53.8c 8 *Total contribution after tax and levy
22 22
23 Life Assurance Market Slow down in new business Post SSIA product Investor confidence Changes in pension market Personal Retirement Savings Accounts (PRSAs) Seasonality of payments Competitive environment Distribution and margins Market share Large players best positioned 23
24 Ireland - Life Assurance m Sales Growth H Total 152.8m H Total 268.2m -3% -58% SSIAs % -57% +5% 0 ILI ILIM Corporate Retail 24
25 25 Retail Life - Products m H Total 63.5m H Total 152.6m SSIAs +14% +39% -14% -96% Protection/Risk Pensions Investments Savings
26 26 Retail Life - Distribution Direct Sales Force 25% Institutions 8% Brokers/IFAs 32% Bancassurance 35%
27 27 Corporate Life - Products m Total 62.2m 2002 Total 64.0m -3% % -26% 0 Other Risk DC
28 Retail Banking Strong residential mortgage market Strong demand from first time buyers Historically low level of interest rates Reducing margins Sustaining mortgage growth Competitive environment Regulatory changes Competition review 28
29 Banking - New Lending m 1,600 1,400 1, % 2003 Total 2,570m 2002 Total 2,063m 1, % % 0 Ireland Mortgages Consumer Finance Commercial UK Mortgages 29
30 30 Banking - Loan Book 30 June 30 June Change m m % Ireland Mortgages* 10,921 9, Consumer Finance 1,318 1,343 (2) Commercial 1,170 1,197 (2) 13,409 11,811 Stg m Stg m UK - Mortgages* 1,495 1, Total Lending* 15,566m 13,633m 14 * Including securitised assets
31 Residential Mortgage Lending 30 June 31 Dec % % Ireland - LTVs First time buyers Others Average RIPs 11% of new lending in Ireland 69% of CHL loan book Arrears at historic lows Total arrears 0.25% of book CHL arrears 0.02% of book 31
32 Banking - Resources 30 June 30 June Change m m % Retail deposits Current accounts 1,344 1,241 8 Other 4,522 4,560 Corporate deposits 4,236 3,714 10,102 9,
33 33 Programme Hold Retail Life operating costs at 2001 level out to 2005 Protect life new business margins Target 15% Investment funded from cost savings
34 34 Transformation Programme On target to achieve merger cost synergies of 29m Next phase commenced new mortgage system branch re-tooling and re-organisation Target 50% cost / income ratio
35 35 Outlook Economy Life Market Banking Trading
36 36 Additional Information Total contribution after tax Total profit after tax Embedded value movement - June 2003 Embedded value movement - Dec 2002 Banking - Regulatory Capital Life - Analysis of Retail Life Sales
37 37 Total Contribution After Tax Pre-tax m 30 June 2003 Tax m Post-tax m 30 June 2002 Post-tax m Ireland/UK Banking & Other 74.8 (10.6) Life assurance 96.9 (13.0) Other investment earnings (23.6) US - Life Assurance 1.5 (0.6) Share of Associate 16.3 (2.5) Total Contribution (26.7)
38 Total Profit After Tax Pre-tax m 30 June 2003 Tax m Post-tax m 30 June 2002 Post-tax m Total Contribution (26.7) Investment fluctuations Life (38.1) Associate 0.8 (0.1) 0.7 (20.1) Goodwill (5.9) - (5.9) (5.8) Economic variance (2.8) 0.4 (2.4) 1.5 Exceptional items (46.6) (1.4) (48.0) Government Levy - (6.1) (6.1) - Total Profit* (30.3) *Before minority interest 38
39 39 Life Embedded Value - June 03 Net Worth Value of Total Solvency in-force Capital m m m m Opening , Profit after tax Disposal of US business 67.1 (116.7) (49.6) Currency / Other 8.7 (14.8) (6.1) Movement (113.3) 36.2 (2.9) Closing ,
40 40 Life Embedded Value - Dec 02 Net Worth Value of Total Solvency in-force Capital m m m m Opening , , Profit after tax Disposal of IB business (33.3) 98.5 Currency / Other 21.1 (29.4) (8.3) Inter-Group dividends (50.6) - (50.6) Movement (57.4) Closing ,
41 Bank Capital 30 June 31 Dec m m Risk Weighted Assets 10,203 9,481 Capital: Tier 1 3,228 3,227 less Goodwill (Irish Life & TSB) (1,527) (1,532) 1,701 1,695 Tier 2 Sub-debt Other Total Capital 2,463 2,369 less Embedded Value deduction (90%) (1,443) (1,435) 1, RAR 10.0% 9.9% 41
42 Life Assurance Sales* - Retail Products Protection/Risk Pensions Investments Savings Distribution * Annual premium equivalent 30 June 30 June m m Bancassurance Brokers/IFAs Direct Sales Force Institutions
1 September
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