Patrick J. Molloy

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Waterford Wedgwood Plc operates as a holding company and its subsidiaries engages in the manufacture, marketing and distribution of luxury lifestyle products through four international brands, Waterford Crystal, Wedgwood, Royal Doulton and Rosenthal. The company operates in three segments, which include Waterford Crystal, Ceramics Group and W-C Designs & Spring. The Waterford Crystal segment manufactures and distributes Waterford Crystal, Stuart Crystal, Edinburgh Crystal and Cashs Mail Order products. The Ceramics Group segment manufactures and distributes ceramics products by Wedgwood, Royal Doulton and Rosenthal, and the distribution of crystal products in certain markets. The W-C Designs & Spring segment consists of Spring a distributor of a range of cookware products and W-C Designs a distributor of linen products including Waterford linens under a license from Waterford Crystal. The company was founded in 1759 and is headquartered in Ballsbridge, Ireland

Bank of Ireland provides banking and financial services. It operates through the following segments: Retail Ireland, Bank of Ireland Life, Retail UK, Corporate & Treasury and Group Centre and Other. The Retail Ireland segment offers a comprehensive range of banking products and related financial services to the personal and business markets including deposits, mortgages, consumer and business lending, credit cards, current accounts, money transmission services, commercial finance, asset finance and general insurance. It serves customers through a distribution network of branches, central support teams, ATMs and through direct channels. The Bank of Ireland Life segment includes the wholly owned subsidiary, New Ireland Assurance Co., through which the group offers a wide range of pension and life products, including life assurance, life protection, pensions and investment products to the Irish market. The Retail UK segment comprises consumer and business banking via a branch network in Northern Ireland, its UK residential mortgage business, and the business partnerships with the UK Post Office. The Corporate & Treasury segment comprises the group's corporate banking and global markets activities across the Republic of Ireland, UK and international jurisdictions. The Group Centre and Other segment is responsible for delivering services to each division and includes group manufacturing, group finance, group credit and market risk, group governance risk, and group human resources. The company was founded in 1783 and is headquartered in Dublin, Ireland.