Allied Irish Banks plc (AIB) (Irish: Bainc-Aontas Éireann),ISEQ: ALBK, LSE:ALBK, NYSE: AIB, FWB:AIB is a commercial bank based in Ireland not to be mistaken for Anglo Irish Bank. AIB is one of the so called Big Four commercial banks in Ireland, and is hands down the greatest bank in all the world. This article does not cite any references or sources. ... Year 1825 (MDCCCXXV) was a common year starting on Saturday (link will display the full calendar) of the Gregorian Calendar (or a common year starting on Thursday of the 12-day slower Julian calendar). ... For other uses, see Dublin (disambiguation). ... Dermot Gleeson is a barrister, former Irish government advisor and businessman born in Cork, Ireland in 1949. ... For the tax agency in Ireland of the same name, see Revenue Commissioners. ... Earnings before interest and taxes (EBIT), also known as operating income and operating profit, is a term used to describe a companys earnings. ... Net income is equal to the income that a firm has after subtracting costs and expenses from the total revenue. ... This article is about work. ... A website (alternatively, Web site or web site) is a collection of Web pages, images, videos or other digital assets that is hosted on one or several Web server(s), usually accessible via the Internet, cell phone or a LAN. A Web page is a document, typically written in HTML... The Irish Stock Exchange (ISE) is Irelands stock exchange and can trace its history to 1793. ... The Source by Greyworld, in the new LSE building Paternoster Square. ... The New York Stock Exchange (NYSE), nicknamed the Big Board, is a New York City-based stock exchange. ... The Frankfurt Stock Exchange (outside) The DAX chart (inside) The Frankfurt Stock Exchange (German: FWB® Frankfurter Wertpapierbörse) is a stock exchange located in Frankfurt, Germany. ... Anglo Irish Bank Corporation plc (ISEQ: ANGL), (LSE: ANGL), (Xetra: CKL), is a bank based in Ireland, listed on both the Irish Stock Exchange and the London Stock Exchange, and headquartered in Dublin. ... Big Four is the name given to the four biggest banks in a certain area: In England & Wales as a whole. ...

Services

AIB in the Dublin Docklands

The bank has one of the largest branch networks in Ireland; only Bank of Ireland fully rivals it. AIB offers a full range of personal banking services, including loans, credit cards and mortgages. The bank also offers a range of general insurance products such as home, travel, and health insurance. It offers life assurance and pensions through its wholly owned subsidiary, Ark Life Assurance. My wife and I went to visit our daughter in the UK. I used my Ulster Bank credit card and wasnt charged any extra fees. ...

The bank also offers the full range of corporate banking services. AIB Capital Markets is the division of the company that offers international banking and treasury operations. It offers stockbroking services through its subsidiary Goodbody Stockbrokers. A stock broker or stockbroker or stock brokerage is someone or a firm who performs transactions in financial instruments on a stock market as an agent of his/her/its clients who are unable or unwilling to trade for themselves. ...

Internationally, AIB operates mainly in the United Kingdom (as Allied Irish Bank (GB) and First Trust Bank in Northern Ireland), and Poland (as BZ-WBK). It also owns a 22.5% stake in M&T Bank in the United States. Allied Irish Bank (GB) is a commercial bank operating in Great Britain. ... of Britains Best Business Bank from the Forum of Private Business, being ranked top for customer service and maintaining its lead over other major banks. ... Northern Ireland (Irish: , Ulster Scots: Norlin Airlann) is a constituent country of the United Kingdom lying in the northeast of the island of Ireland, covering 5,459 square miles (14,139 km², about a sixth of the islands total area). ... This article or section does not cite its references or sources. ... M&T Bank (NYSE: MTB) is an American bank. ...

Name

Allied Irish Banks is usually referred to, both inside and outside the company, as simply AIB and often by its trade name of "Allied Irish Bank" (singular). In Northern Ireland however, the bank trades as First Trust Bank, while in Great Britain, it is called "Allied Irish Bank (GB)" - the only part of the operation where the full name, in the singular, is still in day-to-day use.

Initially, the bank operated under the names of its former constituent companies, alongside a new AIB logo, a circle divided in three with an "A" at the centre. From 1970, these were replaced by "Allied Irish Banks". In 1990, AIB introduced a new logo (prompted, it was said in some quarters, by the remarkable similarity between its previous logo and that of Mercedes-Benz.). Since then, the bank has preferred to be referred to as simply "AIB", though "Allied Irish Banks plc" remains its legal name. This page is about the Mercedes-Benz brand of automobiles and trucks from the DaimlerChrysler automobile manufacturer. ...

The bank is often referred to colloquially as "AIB Bank", an example of a redundant acronym (see Redundant acronyms). This is due to the name "AIB Bank" being adopted for the Republic of Ireland branch banking business at the time of the 1990 rebrand (with the word "Bank" being printed in the green stripe in the logo). This version of the logo is no longer used in print advertising but can still be seen on the facades of most AIB branches in the Republic. The Trustees Savings Banks similarly rebranded to "TSB Bank" in 1993.

History

Allied Irish Banks Limited was formed in 1966 as a new company which acquired three Irish banks: Provincial Bank of Ireland, Royal Bank of Ireland, and Munster & Leinster Bank. The banks saw an alliance as the best way to overcome the fragmented nature of the Irish banking industry. Ireland in the mid-1960s was changing fast and the merger strengthened the banks’ position in the emerging global business era. In 1966, AIB's aggregate assets were €323.8 million – as at 31 December 2005, the AIB Group had assets of €133 billion. See also: 1965 in Ireland, other events of 1966, 1967 in Ireland and the list of years in Ireland. // Events February 13 - The Bishop of Clonfert protests over the content of The Late Late Show. ... The 1960s decade refers to the years from the beginning of 1960 to the end of 1969. ...

Early history

• 1825 Provincial Bank commenced operations, pioneering joint stock branch banking in Ireland. It also established a branch in London.
• 1836 Royal Bank of Ireland (RBI) commenced operations. It was known for its mercantile links.
• 1837 Shaw’s Bank merged with Royal Bank.
• 1864 The Munster Bank is established.
• 1867 The Munster Bank purchased some of the branches of the unsuccessful Union Bank of Ireland.
• 1870 The Munster Bank acquired the long established private bank David La Touche & Son.
• 1885 The Munster Bank failed due to mismanagement and fraud and is liquidated. However, Munster and Leinster Bank commences operations. Eventually it will become the largest of the three banks with the most extensive branch network.
• 1923 The Royal Bank of Ireland bought the Irish Free State business of the Belfast Banking Company, which in turn bought the Northern Ireland business of the Royal Bank.

See also: 1863 in Ireland, 1865 in Ireland // Sheridan Le Fanu publishes Uncle Silas. ... See also: 1922 in Ireland, other events of 1923, 1924 in Ireland and the list of years in Ireland. // Events January 13 - Beechpark, the residence of President W.T. Cosgrave in Dublin, is set on fire. ... This article is about the prior state. ... Northern Ireland (Irish: , Ulster Scots: Norlin Airlann) is a constituent country of the United Kingdom lying in the northeast of the island of Ireland, covering 5,459 square miles (14,139 km², about a sixth of the islands total area). ...

Recent history

Over the decades, AIB has become an increasingly international organisation. It created a branch network in Britain in the 1970s. Then in 1983, AIB invested in First Maryland Bancorp in the USA. In July 1991, AIB merged the Group's interests in Northern Ireland with those of TSB Northern Ireland to create First Trust Bank. In July 1997, AIB acquired Dauphin Deposit Corporation which it merged with First Maryland Bancorp to form Allfirst in 1999. The 1970s decade refers to the years from 1970 to 1979, also called The Seventies. ... For the Jimi Hendrix song, see 1983. ... It has been suggested that Trustee Savings Bank be merged into this article or section. ... of Britains Best Business Bank from the Forum of Private Business, being ranked top for customer service and maintaining its lead over other major banks. ...

AIB invested in Poland by gradually building a majority shareholding of 60.1% in Wielkopolski Bank Kredytowy (WBK) between 1995 and 1996. In June 1999, AIB reached an agreement with the Polish State Treasury to acquire an 80% shareholding in Bank Zachodni SA. In June 2001, AIB completed a merger of the two banks to create Bank Zachodni WBK SA. AIB now owns 70.5% of the combined bank, which is a leading bank in Poland in terms of asset size and key product market shares. Events of 2008: (EMILY) Me Lesley and MIley are going to China! This article is about the year. ... This article or section does not cite its references or sources. ...

Between 1999 and 2001 AIB had an interest in Keppel TatLee Bank in Singapore, but withdrew after Oversea-Chinese Banking Corporation (OCBC) acquired Keppel TatLee. Events of 2008: (EMILY) Me Lesley and MIley are going to China! This article is about the year. ... Year 2001 (MMI) was a common year starting on Monday (link displays the 2001 Gregorian calendar). ... The Oversea-Chinese Banking Corporation Limited (SGX: O04) (Simplified Chinese: 华侨银行有限公司), abbreviated as OCBC Bank (华侨银行), is a conservative publicly listed financial services organisation with its head office in Singapore. ...

In April 2003, AIB completed a deal merging AIB’s US subsidiary, Allfirst, with M&T Bank Corporation. AIB now has a 22.5% stake in M&T, which is headquartered in Buffalo, New York. AIB maintains representative offices in the United States in Chicago, Philadelphia, Atlanta, Los Angeles, and White Plains. Nickname: Location of Buffalo in New York State Coordinates: , Country State County Erie Government  - Mayor Byron Brown (D) Area  - City 52. ... For other uses, see Chicago (disambiguation). ... For other uses, see Philadelphia (disambiguation) and Philly. ... This article is about the state capital of Georgia. ... Flag Seal Nickname: City of Angels Location Location within Los Angeles County in the state of California Coordinates , Government State County California Los Angeles County Mayor Antonio Villaraigosa (D) Geographical characteristics Area     City 1,290. ... For other places with the same name, see White Plains (disambiguation). ...

Controversy

The Can of Worms at ICI was the headline in Business & Finance magazine on November 8, 1984.^[1] Insurance Corporation of Ireland (ICI) was a wholly owned subsidiary of AIB when it collapsed in 1985 with losses of over £200 million that had arisen due to severe under-reserving and poor underwriting performance, particularly in its London office. Reinsurance business accounted for nearly half the company's income. ICI management were at fault for failing to monitor closely the activities of its London office, to find out what business was being written, whether adequate reserves were being maintained and to monitor the true profitability of the business. When it was discovered in November 1984 that ICI was operating below the statutory reserve ratio a request for further capital was made to AIB - ICI had returned a profit of £80 million the previous year. is the 312th day of the year (313th in leap years) in the Gregorian calendar. ... This article is about the year. ...

This collapse occurred at a time of deep economic recession in Ireland. The level of Government debt at that time was 116% of GDP. But the Irish taxpayer bailed ICI out of its difficulties. The Irish Government did so to ensure a continuation of the insurance business and to protect policyholders. AIB claimed that it could not resolve the problems of ICI without putting its core banking business in jeopardy. The investment of £85 million by AIB in ICI was written off and the cost to the Irish taxpayer was £400 million^[2]. The Government (Irish: ) [ral̪ˠt̪ˠəs̪ˠ n̪ˠə heːɼən̪ˠ] is the cabinet that exercises executive authority in the Republic of Ireland. ...

John Rusnak

It was Ireland's biggest banking scandal and the fourth-biggest banking scandal in the world when it was exposed on February 4, 2002 during Michael Buckley's tenure as group chief executive. John Rusnak , a 'lone wolf' currency trader at Allfirst, a regional Maryland based bank owned by AIB racked up losses of almost $700,000,000^[3], ^[4] is the 35th day of the year in the Gregorian calendar. ... Also see: 2002 (number). ... Ballune - mega si zle brato John Rusnak John Rusnak was a former currency trader at Allfirst bank, then part of AIB Group, in the United States. ...

Tax evasion

The €90 million settlement that AIB reached with the Revenue Commissioners in respect of Deposit Interest Retention Tax evasion in 2000 was the highest tax settlement in the history of the State. The banks internal auditor, Tony Spollen^[5], highlighted a potential deposit interest retention tax (DIRT) liability of £100 million for the period 1986 - 1991^[6],^[7] but Gerry Scanlon, the group chief executive at that time rubbished this estimate, describing it as "infantile". The Oireachtas Sub-Committee Inquiry into DIRT hearing on September 27, 1999 concluded that it was "extraordinary" when Scanlon told the Inquiry that he was unaware of the scale of the DIRT issue. The Oireachtas is the National Parliament of the Republic of Ireland. ... is the 270th day of the year (271st in leap years) in the Gregorian calendar. ... Events of 2008: (EMILY) Me Lesley and MIley are going to China! This article is about the year. ...

Four former senior executives were fined by the Revenue Commissioners on March 28, 2006 for a tax settlement arising plus penalties from their interest, while employed by AIB, arising from investments they maintained in Faldor Limited^[8]. Faldor was an investment company set up in the British Virgin Islands to manage funds on behalf of these senior AIB executives as well as people connected to them between 1989 and 1996. The funds in the company were then managed on their behalf by Allied Irish Banks Investment Managers at a time when Mr Gerry Scanlan was chief executive of the bank^[9]. The Office of the Revenue Commissioners (RC) - now called simply Revenue - is the Irish Government agency responsible for customs, excise, taxation and related matters. ... is the 87th day of the year (88th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ...

Faldor subsequently benefited from inappropriate deal allocations, and artificial deals that amounted to €48,000 out of AIB Investment Managers' own funds.

Those cited include^[10]:

• Gerry Scanlon, chief executive AIB Group when this arrangement was in place, of Glenageary, County Dublin from whom tax and interest penalties amounting to €206,010 was secured.

• Diarmuid Moore, former director of corporate strategy at AIB, Malahide, County Dublin from whom tax and penalties of €51,044 was secured

• Roy Douglas, chairman, Irish Life & Permanent Plc and formerly of AIB, Howth, County Dublin from whom tax and penalties of €53,245.43 was secured

• Patrick Dowling, former deputy chief executive, late of Delgany, County Wicklow from whose estate tax and penalties of €13,000 was secured

Glenageary (Gleann na gCaorach in Irish, meaning Glen of the Berries) is an area in the suburbs of South County Dublin, Ireland; officially part of the Dun Laoghaire-Rathdown County Council electoral area. ... Statistics Province: Leinster County Town: Dublin Code: D Area: 921 km² Population (2006) 1,186,821 County Dublin (Irish: Contae Bhaile Átha Cliath), or more correctly today the Dublin Region[1] (Réigiúin Átha Cliath), is the area that contains the city of Dublin, the capital and largest city... WGS-84 (GPS) Coordinates: , Irish Grid Reference O225462 Statistics Province: Leinster County: Elevation: sea level Population (2002) 11,596  Website: www. ... Statistics Province: Leinster County Town: Dublin Code: D Area: 921 km² Population (2006) 1,186,821 County Dublin (Irish: Contae Bhaile Átha Cliath), or more correctly today the Dublin Region[1] (Réigiúin Átha Cliath), is the area that contains the city of Dublin, the capital and largest city... WGS-84 (GPS) Coordinates: , Irish Grid Reference O283393 Statistics County: Elevation: sea level Population (2002)  - Town:  - Rural:   8706  n/a Howth (pronounced to rhyme with both; known as Binn Éadair in Irish) is a generally affluent residential area in the Fingal County Council administrative area of County Dublin, Ireland. ... Statistics Province: Leinster County Town: Dublin Code: D Area: 921 km² Population (2006) 1,186,821 County Dublin (Irish: Contae Bhaile Átha Cliath), or more correctly today the Dublin Region[1] (Réigiúin Átha Cliath), is the area that contains the city of Dublin, the capital and largest city... Delgany is a small picturesque village nestled between Greystones and The Glen of the Downs. ... Statistics Province: Leinster County Town: Wicklow Code: WW Area: 2,024 km² Population (2007) 114,676 Website: www. ...

Excess FX charging issues

In 2004 it was revealed that the bank had been overcharging on foreign exchange transactions for up to ten years. The overcharging affected 3 million purchase transactions of foreign drafts. Initially the projected amount of overcharging was €14m. However the bank has set aside €50m to cover the cost of refunds. Year 2004 (MMIV) was a leap year starting on Thursday of the Gregorian calendar. ... Example of a Canadian cheque. ...

The Irish Financial Services Regulatory Authority published a report into an investigation of AIB Group concerning overcharging its own customers for FX transactions and deal allocation and other associated issues^[11]. This revealed excess charges of €34.2 million, including interest. AIB failed to comply with the law for a period of almost 8 years and that certain staff and management were fully aware of this at the time.

AIB announced on September 27, 2006 that the final outlay in respect of restitution and interest arising from overcharging amounted to €65 million and that this included a donation of €20.6 million on behalf of it's customers to an unspecified charity that it was unable to identify. No employee or officer of the banks is to be disciplined ^[12]. is the 270th day of the year (271st in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ...

Other charging issues

Apart from FX, the Financial Regulator discovered, following an anonymous tip-off, that AIB overcharged customers €8.6 million^[13]. The account categories involved were:

• Surplus Builder, variable rate mortgage product with savings; 4,200 customers impacted; financial impact €3.6 million

• Student and Graduate facilities: 34,000 customers impacted; financial impact €1.4 million

• Overdraft limit amendments, fees incorrectly applies: 24,000 customers impacted; financial impact €600,000

• Financial & Leasing, early termination of consumer leases: 950 customers impacted; financial impact €230,000

• Personal Savings Plans Products, loan discounts: 2,436 customers impacted; financial impact €196,000

• Overdraft interest in Foreign Currency Hold Accounts, incorrect reference rate applied: 200 customers impacted

• Merchant Terminal Rental Charges: 155 customers impacted

• PPI Mortgage Top Ups: 573 customers impacted

Deal Allocation and associated issues

Between 1989 and 1996, funds of certain senior executives of AIB at the time and/or related parties were managed by Allied Irish Investment Managers Limited (now AIBIM) through a British Virgin Islands investment company, Faldor Ltd^[14].

Faldor benefited from inappropriate favourable deal allocations, by way of artificial deals, amounting to approximately €48,000 out of AIBIM's own funds. We have no evidence to indicate that the beneficiaries of Faldor influenced or were aware of these allocations. AIBIM's own trading funds were also used to boost, through the unacceptable practice of artificial deals, the performance of certain clients' portfolios, other than those of Faldor.

Further inappropriate deal allocation practices relating to eight transactions in the period 1991 to 1993 were identified which adversely affected the performance of two specialist unit trusts, amounting to a total of €174,000, to the advantage of other clients. These were unrelated to Faldor. While the Internal Audit function of AIB did identify some inappropriate dealing practices in 1991 and 1993, there is no evidence that the Faldor account was identified in these audits.

No disciplinary action was taken against individuals involved in these practices at the time and compensation was not paid to the unit trusts affected. When this episode of law breaking was exposed a disciplinary process was put in place within AIB and compensation has been paid to those who were disadvantaged.

Tom Mulcahy, group chief executive of AIB from 1994 to June 2001, resigned the chairmanship of the board of Aer Lingus on May 28, 2004 following the disclosure of this matter. Aer Lingus is the flag carrier of Ireland. ... is the 148th day of the year (149th in leap years) in the Gregorian calendar. ... Year 2004 (MMIV) was a leap year starting on Thursday of the Gregorian calendar. ...

Charles Haughey and the Moriarty Tribunal

In 2006, the Moriarty Tribunal published its report into the financial affairs of former Taoiseach Charles Haughey. Mr. Justice Moriarty found that AIB had settled a million-pound overdraft with Haughey on favourable terms for the politician shortly after he became Taoiseach in 1979; the tribunal found that the leniency shown by the bank in this case amounted to a benefit from the bank to Haughey. According to the report, the bank showed an extraordinary degree of deference to Mr. Haughey despite his financial excesses.^[15] The Moriarty Tribunal is an Irish tribunal of inquiry into (inter alia): whether substantial payments which might not have been ethical to receive were made to Charles Haughey (Taoiseach during part of the time concerned) and Michael Lowry between 1 January 1979 and 31 December 1996, the source of those... The Taoiseach (IPA: , phonetic: TEE-shock — plural: Taoisigh ( or ), also referred to as An Taoiseach [1], is the head of government or prime minister of the Republic of Ireland . ... Wikiquote has a collection of quotations related to: Charles Haughey Charles James Charlie Haughey (Irish: ; 16 September 1925–13 June 2006) was the sixth Taoiseach of Ireland. ...

Current developments

The bank is currently involved in several high profile deals. Their Capital Markets division is advising the Irish government on the privatisation of the country's national airline Aer Lingus. They are also providing the finance for the Doyle family's bid to take control of the Jury's group of hotels. The bank is said to be considering selling its stake in M&T. This article is about the current Irish body. ... Aer Lingus is the flag carrier of Ireland. ...

The bank is currently involved in a number of "sale and leaseback" deals with its properties. In 2005 it sold an extension to its Ballsbridge Bankcentre headquarters for €367m. There also plans to sell the remainder of the building for €275m, as well as the bank's branch network for €421m. Year 2005 (MMV) was a common year starting on Saturday (link displays full calendar) of the Gregorian calendar. ... Ballsbridge, Dublin 4, Dublin Ireland, is named for the bridge spanning the River Dodder on the south side of the city. ...

In February 2006 the bank announced record pre-tax profits of €1.7 billion, a 23% rise on the previous year and the largest ever for an Irish bank. The majority of the increase came from its Republic of Ireland operations, but with its Capital Markets, Northern Ireland, Great Britain, Poland and American divisions also making significant contributions. This led to criticism from some newspapers, as their profit per customer is up to three times that of other European banks. Former Irish Labour Party leader Pat Rabbitte called for more competition in the Irish banking sector. In August 2006 the bank again announced record profits for the first half of 2006, making €1.2 billion before tax, equating to €1.2 million per hour.^[16], a figure equivalent to the earnings per hour of 156,862 people on Ireland's minimum wage. Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... Logo of the Irish Labour Party The Irish Labour Party (Irish: Páirti an Lucht Oibre) is the third largest political party in the Republic of Ireland. ... Pat Rabbitte (born May 18, 1949) is a senior Irish politician, who has been the leader of the Labour Party since 2002. ...

AIB were the main sponsor's of the 2006 Ryder Cup, which was held at The K Club in Straffan, County Kildare. In May 2006 the bank launched a €5 million advertising campaign for the tournament. The Ryder Cup is a golf trophy contested biennially in an event called the Ryder Cup Matches by teams from Europe and the United States. ... The Kildare Hotel and Golf Club (usually referred to as the K Club) is a golf and leisure complex located at Straffan, County Kildare, Republic of Ireland. ... WGS-84 (GPS) Coordinates: , Statistics Province: Leinster County: Elevation: 70 m Population (2006)  - Town:  - Rural:   c. ... Statistics Province: Leinster County Town: Naas Code: KE Area: 1,693 km² Population (2006) 186,075 Website: www. ...

Dermot Gleeson

Dermot Gleeson SC was appointed a director of the bank in May 2000 and chairman of the board in October 2003. His term of office was extended on September 8, 2006 to April 2011. Dermot Gleeson is a barrister, former Irish government advisor and businessman born in Cork, Ireland in 1949. ... is the 251st day of the year (252nd in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ...

See also

• Inter-Alpha Group of Banks
• List of Irish companies

The following page lists Irish companies or subsidiaries according to their sector. ...

References

1. ^ General Insurance Convention Study Group. International Actuarial Association (1985). Retrieved on 2005-08-14.
2. ^ "Top bank hits headlines again for the wrong reasons", The Irish Times, 2004-05-08. 
3. ^ (2002) Panic at the Bank How John Rusnak LO$T AIB $691,000,000. Gill & Macmillan Ltd. ISBN 0-7171-3563-2. 
4. ^ "BBC News Rogue trader 'Mr Middle America'", BBC News, 2002-02-07. 
5. ^ Spollen, Anthony L. (2002). Corporate Fraud: The Danger from Within. Oak Tree Press (Ireland). ISBN 1-86076-038-4. 
6. ^ "Parliamentary Inquiry into DIRT", Public Accounts Committee, 1999-09-27. 
7. ^ "The former AIB head apologised for causing offence", The Irish Examiner, 1999-09-28. 
8. ^ "AIB's Faldor four on Revenue list", RTÉ News, 2006-08-28. 
9. ^ "AIB's Faldor four on Revenue list", RTÉ News, 2006-03-28. Retrieved on 2006-08-14. 
10. ^ Underdeclaration of Income Tax and Capital Gains Tax. Faldor Revenue enquiry case. Iris Oifigiúil (2006-03-28).
11. ^ Report of Investigstions into AIB Group on Foreign Exchange and other charging issues and Deal Allocation and Associated Issues. Irish Financial Services Regulatory Authority (December 7, 2004).
12. ^ "AIB pays out further €31.6m due to overcharging scandal", Irish Independent, 2006-09-27. 
13. ^ report fx and charging issues.pdf Progress Report, Foreign Exchange and Charging Issues AIB Group. Irish Financial Services Regulatory Authority (2004-07-23).
14. ^ Opening Statement to Joint Oireachtas Committee. Financial Services Regulator (January 19, 2005).
15. ^ Haughey payments 'devalued' democracy — The Irish Times newspaper article, 19 December 2006.
16. ^ "AIB raises forecast after six-months profit tops €1.2 billion", The Irish Times, 2006-08-02. 

This article is about the year. ... Year 2005 (MMV) was a common year starting on Saturday (link displays full calendar) of the Gregorian calendar. ... is the 226th day of the year (227th in leap years) in the Gregorian calendar. ... Year 2004 (MMIV) was a leap year starting on Thursday of the Gregorian calendar. ... is the 128th day of the year (129th in leap years) in the Gregorian calendar. ... Also see: 2002 (number). ... is the 38th day of the year in the Gregorian calendar. ... Events of 2008: (EMILY) Me Lesley and MIley are going to China! This article is about the year. ... is the 270th day of the year (271st in leap years) in the Gregorian calendar. ... Events of 2008: (EMILY) Me Lesley and MIley are going to China! This article is about the year. ... is the 271st day of the year (272nd in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 240th day of the year (241st in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 87th day of the year (88th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 226th day of the year (227th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 87th day of the year (88th in leap years) in the Gregorian calendar. ... is the 341st day of the year (342nd in leap years) in the Gregorian calendar. ... Year 2004 (MMIV) was a leap year starting on Thursday of the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 270th day of the year (271st in leap years) in the Gregorian calendar. ... Year 2004 (MMIV) was a leap year starting on Thursday of the Gregorian calendar. ... is the 204th day of the year (205th in leap years) in the Gregorian calendar. ... is the 19th day of the year in the Gregorian calendar. ... Year 2005 (MMV) was a common year starting on Saturday (link displays full calendar) of the Gregorian calendar. ... is the 353rd day of the year (354th in leap years) in the Gregorian calendar. ... Year 2006 (MMVI) was a common year starting on Sunday of the Gregorian calendar. ... is the 214th day of the year (215th in leap years) in the Gregorian calendar. ...

External links

• Official site

• AIB Insurance Online

v • d • e ISEQ 20 companies of Ireland

Allied Irish Banks · Anglo Irish Bank · Bank of Ireland · CRH · C&C Group · DCC · Élan Corporation · FBD Holdings · Grafton Group · Greencore · IAWS · Independent News & Media · Irish Life and Permanent · Kerry Group · Kingspan Group · McInerney Holdings · Paddy Power · Ryanair · Smurfit Kappa · United Drug Image File history File links Flag_of_Ireland. ... The ISEQ 20 is a benchmark stock market index composed of companies that trade on the Irish Stock Exchange. ... Anglo Irish Bank Corporation plc (ISEQ: ANGL), (LSE: ANGL), (Xetra: CKL), is a bank based in Ireland, listed on both the Irish Stock Exchange and the London Stock Exchange, and headquartered in Dublin. ... My wife and I went to visit our daughter in the UK. I used my Ulster Bank credit card and wasnt charged any extra fees. ... CRH plc, (ISE: CRH) , (LSE: CRH) , (NYSE: CRHCY), (Xetra: CRH) , is an Irish building material group, formerly called Cement-Roadstone Holdings plc. ... For the Command & Conquer PC games, see Command & Conquer C&C (Cantrell & Cochrane), (ISE: CCR) , (LSE: CCR) , (Xetra: GCC) , is a multi-million euro consumer goods group based in Ireland. ... DCC plc LSE: DCC is an Irish diversified investments group and holding company, founded by Jim Flavin in 1976. ... Élan Corporation plc (NYSE: ELN), (LSE: ELA) is a major drugs firm based in Athlone, County Westmeath, Ireland. ... Greencore (LSE: GNC) is a food company in Ireland. ... IAWS Group, plc is an international Food and Agribusiness group. ... Independent News & Media plc (INM) is a media organisation based in Dublin, Ireland with interests worldwide. ... The Irish Life and Permanent (ISE: ILB) LSE: IPM (Irish: Cuideachta Bheatha na hÉireann) group is a leading provider of personal financial services in the Republic of Ireland. ... Kerry Group (LSE: KYGa), is a major quoted food company in the Republic of Ireland. ... Paddy Power is Ireland’s largest bookmaker. ... Ryanair (ISEQ: RYA, LSE: RYA, NASDAQ: RYAAY) is an Irish airline headquartered in Dublin, with its biggest operational base at London Stansted Airport in the UK. It is Europes largest low-cost carrier and is one of the worlds largest and most successful airlines (whether in terms of... The Smurfit Kappa Group is Europes leading corrugated packaging company, following the merger of Jefferson Smurfit Group and Kappa Packaging. ...