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Allied Irish Banks plc
Type Public
Founded 1825
Headquarters Dublin, Ireland
Key people Dermot Gleeson, Chairman
Eugene Sheehy, Group Chief Executive
Products Banking products
Revenue ▲ €3. A public company usually refers to a company that is permitted to offer its registered securities ( Stock, bonds, etc Year 1825 ( MDCCCXXV) was a Common year starting on Saturday (link will display the full calendar of the Gregorian Calendar (or a Common Dublin (ˈdʌblɨn/ /ˈdʊblɨn or /ˈdʊbəlɪn/, bˠalʲə aːha klʲiəh or cliə(ɸ is both the largest city and capital of Ireland. Ireland ( Irish: Éire, ˈeːrʲə is a country in north-western Europe. Dermot Gleeson is a Barrister, former Irish government advisor and businessman born in Cork, Ireland in 1949 Eugene J Sheehy (born 1954 in Dublin, Republic of Ireland) is Group Chief Executive of Allied Irish Bank Plc In Marketing, a product is anything that can be offered to a Market that might satisfy a want or need In business revenue or revenues is Income that a company receives from its normal business activities usually from the sale of goods and services 647 billion (2005)
Operating income ▲ €1. In financial and business Accounting, earnings before interest and taxes (EBIT is a measure of a firm's profitability that excludes interest and income tax expenses 706 billion (2005)
Net income ▲ €1. Net income is equal to the Income that a firm has after subtracting costs and Expenses from the total Revenue. 343 billion (2005)
Employees 24,000 (2004)
Website aib.ie

Allied Irish Banks plc (AIB) (Irish: Bainc-Aontas Éireann),ISEQ: ALBK, LSE: ALBK, NYSE: AIB, FWB: AIB is a major commercial bank based in Ireland not to be mistaken for Anglo Irish Bank. Employment is a Contract between two parties, one being the employer and the other being the employee. A website (alternatively web site or Web site, a back-construction from the Proper noun World Wide Web) is a collection of Web pages Irish (ga ''Gaeilge'' is a Goidelic language of the Indo-European language family originating in Ireland and historically spoken by the Irish. The Irish Stock Exchange ( ISE) (Stocmhalartán na hÉireann is Ireland 's Stock exchange, formed through the merger of the Cork and Dublin exchanges both The London Stock Exchange or LSE is a Stock exchange located in London, England. The New York Stock Exchange ( NYSE) is a Stock exchange based in New York City. The Frankfurt Stock Exchange ( FWB Frankfurter Wertpapierbörse) is a Stock exchange located in Frankfurt, Germany. A financial intermediary is an Institution, firm or individual who mediates between two or more parties in a financial context Ireland (pronounced /ˈaɾlənd/ Éire) is the third largest island in Europe, and the twentieth-largest island in the world Anglo Irish Bank Corporation plc ( Irish: Banc Angla-Éireannach;,,) is a Bank based in Ireland, listed on both the Irish Stock AIB is one of the so called Big Four commercial banks in Ireland.

Contents

Services

AIB in the Dublin Docklands
AIB in the Dublin Docklands

The bank has one of the largest branch networks in Ireland; only Bank of Ireland fully rivals it. The Bank of Ireland (Banc na hÉireann, officially known as the Governor and Company of the Bank of Ireland is a commercial Bank operation in Ireland 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.

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 is a qualified and regulated professional who buys and sells shares and other securities through Market makers or Goodbody Stockbrokers is the stockbroking arm of Allied Irish Banks a member firm of the Irish Stock Exchange and a SETS participant of the London Stock Exchange.

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). The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom, the UK or Britain,is a Sovereign state located Allied Irish Bank (GB is the trading name of a commercial bank operating in Great Britain. For other banks with a similar name see First Bank. First Trust Bank, part of the AIB Group, is a Commercial bank in Northern Ireland (Tuaisceart Éireann Ulster Scots: Norlin Airlann) is a Country within the United Kingdom, lying in the northeast of Poland (Polska officially the Republic of Poland Bank Zachodni WBK SA is a Polish bank Between 1995 and 1996 Allied Irish Banks began to invest into Poland 's emerging economy It also owns a 22. 5% stake in M&T Bank in the United States. The United States of America —commonly referred to as the

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. See also Kingdom of Great Britain Great Britain (Breatainn Mhòr Prydain Fawr Breten Veur Graet Breetain is the larger of the two main islands

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. Mercedes-Benz is a German manufacturer of luxury Automobiles Buses coaches and Trucks It is currently a division of the ). Since then, the bank has preferred to be referred to as simply "AIB", though "Allied Irish Banks plc" remains its legal name.

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. Events February 13 - The Bishop of Clonfert protests over the content of The Late Late Show. 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. The 1960s decade refers to the years from the beginning of 1960 to the end of 1969 In 1966, AIB's aggregate assets were €323. 8 million – as at 31 December 2005, the AIB Group had assets of €133 billion.

Early history

Recent history

Over the decades, AIB has become an increasingly international organisation. It created a branch network in Britain in the 1970s. This article is about the Decade 1970-1979 For the Year 1970 see 1970. Then in 1983, AIB invested in First Maryland Bancorp in the USA. Year 1983 ( MCMLXXXIII) was a Common year starting on Saturday (link displays the 1983 Gregorian calendar) First Maryland Bankcorp was the holding company for the First National Bank of Maryland, acquired by Allied Irish Banks (AIB in 1997. In July 1991, AIB merged the Group's interests in Northern Ireland with those of TSB Northern Ireland to create First Trust Bank. The Trustee Savings Banks, or TSBs were British Financial institutions which specialized in accepting Savings deposits from the poor For other banks with a similar name see First Bank. First Trust Bank, part of the AIB Group, is a Commercial bank in In July 1997, AIB acquired Dauphin Deposit Corporation which it merged with First Maryland Bancorp to form Allfirst in 1999.

AIB invested in Poland by gradually building a majority shareholding of 60. Poland (Polska officially the Republic of Poland 1% in Wielkopolski Bank Kredytowy (WBK) between 1995 and 1996. Wielkopolski Bank Kredytowy SA was a Poland based commercial bank which offered the normal range of retail and commercial financial services through its branch network In June 1999, AIB reached an agreement with the Polish State Treasury to acquire an 80% shareholding in Bank Zachodni SA. Year 1999 ( MCMXCIX) was a Common year starting on Friday (link will display full 1999 Gregorian calendar) Bank Zachodni SA was a Poland based commercial bank that offered the normal range of retail and commercial banking services In June 2001, AIB completed a merger of the two banks to create Bank Zachodni WBK SA. Bank Zachodni WBK SA is a Polish bank Between 1995 and 1996 Allied Irish Banks began to invest into Poland 's emerging economy 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.

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. Year 1999 ( MCMXCIX) was a Common year starting on Friday (link will display full 1999 Gregorian calendar) Year 2001 ( MMI) was a Common year starting on Monday according to the Gregorian calendar. A Singapore based bank Formed through a merger of Keppel Bank and Tat Lee bank Singapore The Oversea-Chinese Banking Corporation Limited ( ( Simplified Chinese: 华侨银行有限公司 abbreviated as OCBC Bank (华侨银行 is a Publicly listed

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. Buffalo (ˈbʌfəloʊ is the second largest city in New York State. AIB maintains representative offices in the United States in Chicago, Philadelphia, Atlanta, Los Angeles, and White Plains. Chicago (ʃɪˈkɑːgoʊ is the largest City by population in the state of Illinois and the American Midwest of the United States. Philadelphia (ˌfɪləˈdɛlfiə Los Angeles (lɑˈsændʒələs los ˈaŋxeles in Spanish) is the largest City in the state of California and the American West The City of White Plains is the County seat of Westchester County New York.

Controversy

The Can of Worms at ICI was the headline in Business & Finance magazine on November 8, 1984. Events 1519 - Hernán Cortés enters Tenochtitlán and Aztec ruler Moctezuma welcomes him with great a Celebration Year 1984 ( MCMLXXXIV) was a Leap year starting on Sunday (link displays the 1984 Gregorian calendar) [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.

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. The Government of Ireland (Rialtas na hÉireann n̪ˠə ˈheːɾʲən̪ˠ is the Cabinet that exercises executive authority in Ireland. 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].

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. Events 211 - Roman Emperor Septimius Severus dies leaving the Roman Empire in the hands of his two quarrelsome sons See also 2002 (disambiguation Year 2002 ( MMII) was a Common year starting on Tuesday of the Gregorian calendar. 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]

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. John Rusnak was a former currency trader at Allfirst bank then part of AIB Group, in Baltimore MD United States. 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 (ɛrʲaxt̪ˠasˠ is the "national parliament" or Legislature of Ireland, sometimes referred to as Oireachtas Éireann. Events 489 - Odoacer attacks Theodoric at the Battle of Verona and is defeated again Year 1999 ( MCMXCIX) was a Common year starting on Friday (link will display full 1999 Gregorian calendar)

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]. The Office of the Revenue Commissioners ( RC) ( - now called simply Revenue - is the Irish Government agency responsible for Customs, Excise Events 37 - Roman Emperor Caligula accepts the titles of the Principate, entitled to him by the Senate. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. 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].

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]:

Excess FX charging issues

In 2004 it was revealed that the bank had been overcharging on foreign exchange transactions for up to ten years. Delgany ( is a small picturesque village in County Wicklow on the R762 between Greystones and the N11 at the Glen of the Downs. County Wicklow (Contae Chill Mhantáin is a county on the east coast of Ireland, immediately south of Dublin. "MMIV" redirects here For the Modest Mouse album see " Baron von Bullshit Rides Again " The overcharging affected 3 million purchase transactions of foreign drafts. A cheque (spelled check in American English) is a Negotiable instrument instructing a Financial institution to pay a specific amount of Initially the projected amount of overcharging was €14m. However the bank has set aside €50m to cover the cost of refunds.

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. Events 489 - Odoacer attacks Theodoric at the Battle of Verona and is defeated again Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. 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].

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:

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 airline of Ireland. Based at Dublin Airport, it operates 41 Airbus aircraft serving Europe Africa and North Events 585 BC - A Solar eclipse occurs as predicted by Greek philosopher and scientist Thales, while Alyattes is battling "MMIV" redirects here For the Modest Mouse album see " Baron von Bullshit Rides Again "

Charles Haughey and the Moriarty Tribunal

In 2006, the Moriarty Tribunal published its report into the financial affairs of former Taoiseach Charles Haughey. The Moriarty Tribunal is an Irish Public inquiry established in 1997 into the financial affairs of politicians Charles Haughey and Michael Lowry The Taoiseach (ˈtiːʃəx in English t̪ˠiːʃʲəx (plural Taoisigh ( or) in Irish) also referred to as An Taoiseach ( t̪ˠiːʃʲəx is the the 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]

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. ga '''Dáil Éireann''' ( English House of Representatives of Ireland) is the principal chamber of the Oireachtas (Irish parliament Aer Lingus is the Flag carrier airline of Ireland. Based at Dublin Airport, it operates 41 Airbus aircraft serving Europe Africa and North 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.

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. Year 2005 ( MMV) was a Common year starting on Saturday (link displays full calendar of the Gregorian calendar. Ballsbridge ( Droichead na Dothra in Irish) is a suburb of Dublin, Ireland, named for the bridge spanning the River Dodder on There also plans to sell the remainder of the building for €275m, as well as the bank's branch network for €421m.

In February 2006 the bank announced record pre-tax profits of €1. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. 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. The Labour Party (Páirtí an Lucht Oibre is a Democratic socialist and Social democratic Political party in the Republic of Ireland. Pat Rabbitte (born 18 May 1949 is a senior Irish politician He was leader of the Labour Party from October 2002 until 23 August 2007 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.

AIB were the main sponsor's of the 2006 Ryder Cup, which was held at The K Club in Straffan, County Kildare. The Ryder Cup is a Golf trophy donated by Samuel Ryder, which is awarded Biennially in an event called the "Ryder Cup Matches" between teams from The Kildare Hotel and Golf Club (abbreviated The K Club) is a golf and leisure complex located at Straffan, County Kildare, Republic of Ireland Straffan ( Teach Srafáin in Irish) is a village in County Kildare, Ireland situated on the banks of the River Liffey, 25 km upstream County Kildare (Contae Chill Dara is an Irish County located to the southwest of Dublin in the province of Leinster. In May 2006 the bank launched a €5 million advertising campaign for the tournament.

Dermot Gleeson

Dermot Gleeson SC was appointed a director of the bank in May 2000 and chairman of the board in October 2003. Dermot Gleeson is a Barrister, former Irish government advisor and businessman born in Cork, Ireland in 1949 His term of office was extended on September 8, 2006 to April 2011. Events 70 - Roman forces under Titus sack Jerusalem. 1264 - The Statute of Kalisz Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar.

See also

References

  1. ^ General Insurance Convention Study Group. The Inter-Alpha Group of Banks was created in 1971 by six banks of the European Community in order to provide a platform for the regular exchange of ideas and explore This is a list of Irish companies or subsidiaries according to their sector International Actuarial Association (1985). Year 1985 ( MCMLXXXV) was a Common year starting on Tuesday (link displays 1985 Gregorian calendar) Retrieved on 2005-08-14. Year 2005 ( MMV) was a Common year starting on Saturday (link displays full calendar of the Gregorian calendar. Events 1183 - Taira no Munemori and the Taira clan take the young Emperor Antoku and the three sacred treasures
  2. ^ "Top bank hits headlines again for the wrong reasons", The Irish Times, 2004-05-08. "MMIV" redirects here For the Modest Mouse album see " Baron von Bullshit Rides Again " Events 589 - Reccared summons the Third Council of Toledo 1450 - Jack Cade's Rebellion: Kentishmen  
  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. See also 2002 (disambiguation Year 2002 ( MMII) was a Common year starting on Tuesday of the Gregorian calendar. Events 457 - Leo I becomes emperor of the Byzantine Empire. 1074 - Battle of Montesarchio in which the Prince  
  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. Year 1999 ( MCMXCIX) was a Common year starting on Friday (link will display full 1999 Gregorian calendar) Events 489 - Odoacer attacks Theodoric at the Battle of Verona and is defeated again  
  7. ^ "The former AIB head apologised for causing offence", The Irish Examiner, 1999-09-28. Year 1999 ( MCMXCIX) was a Common year starting on Friday (link will display full 1999 Gregorian calendar) Events 48 BC - Pompey the Great is assassinated on orders of King Ptolemy of Egypt after landing in Egypt.  
  8. ^ "AIB's Faldor four on Revenue list", RTÉ News, 2006-08-28. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 475 - The Roman General Orestes forces western Roman Emperor Julius Nepos to flee his Capital  
  9. ^ "AIB's Faldor four on Revenue list", RTÉ News, 2006-03-28. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 37 - Roman Emperor Caligula accepts the titles of the Principate, entitled to him by the Senate. Retrieved on 2006-08-14. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 1183 - Taira no Munemori and the Taira clan take the young Emperor Antoku and the three sacred treasures  
  10. ^ Underdeclaration of Income Tax and Capital Gains Tax. Faldor Revenue enquiry case. Iris Oifigiúil (2006-03-28). Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 37 - Roman Emperor Caligula accepts the titles of the Principate, entitled to him by the Senate.
  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). Events 43 BC - Marcus Tullius Cicero assassinated 1696 - Connecticut Route 108, one of the oldest highways "MMIV" redirects here For the Modest Mouse album see " Baron von Bullshit Rides Again "
  12. ^ "AIB pays out further €31.6m due to overcharging scandal", Irish Independent, 2006-09-27. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 489 - Odoacer attacks Theodoric at the Battle of Verona and is defeated again  
  13. ^ report fx and charging issues.pdf Progress Report, Foreign Exchange and Charging Issues AIB Group. Irish Financial Services Regulatory Authority (2004-07-23). "MMIV" redirects here For the Modest Mouse album see " Baron von Bullshit Rides Again " Events 1632 - Three hundred colonists bound for New France depart from Dieppe France.
  14. ^ Opening Statement to Joint Oireachtas Committee. Financial Services Regulator (January 19, 2005). Events 1419 - Hundred Years' War: Rouen surrenders to Henry V of England completing his reconquest of Normandy. Year 2005 ( MMV) was a Common year starting on Saturday (link displays full calendar of the Gregorian calendar.
  15. ^ Haughey payments 'devalued' democracy — The Irish Times newspaper article, 19 December 2006. Events 324 - Licinius abdicates his position as Roman Emperor.
  16. ^ "AIB raises forecast after six-months profit tops €1.2 billion", The Irish Times, 2006-08-02. Year 2006 ( MMVI) was a Common year starting on Sunday of the Gregorian calendar. Events 338 BC - A Macedonian army led by Philip II defeated the combined forces of Athens and Thebes in the  

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