Irish Life & Permanent plc: Company Profile and SWOT Analysis

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Irish Life & Permanent plc: Company Profile and SWOT Analysis Powered By Docstoc
					Irish Life & Permanent plc

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Irish Life & Permanent plc                                                  Financial Snapshot

                                                                            Operating Performance
Fast Facts
                                                                            The company reported revenue of US$5,505.33
Headquarters Address                     Irish Life Centre, ,Ireland
                                                                            million during the fiscal year 2010 (2010). The
                                                                            company's revenue declined at a compounded rate of
Telephone                                + 353 1 7042000
                                                                            4.29% during 2006–2010, with an annual decline of
                                                                            15.66% over 2009. In 2010, the company recorded an
Fax                                      + 353 1 7041900                    operating margin of -4.34%, as against -6.55% in
                                                                            2009.
Website                                  www.irishlifepermanent.ie

Ticker Symbol, Stock Exchange            IPM.I, Irish Stock Exchange        Revenue and Margins

Number of Employees                      5,024

Fiscal Year End                          December

Revenue (in US$ million)                 5,505.33

Revenue (in EUR million)                 4,129.00




SWOT Analysis

Strengths                                Weaknesses

Strong distribution network              Weak performance of key segments

Strong market position

Strong product and service portfolio

Opportunities                            Threats
Focus on expanding deposit book
                                         Changing regulations
market share
Growing population in Ireland will boost
                                         Fluctuations in Interest Rates
demand for financial products

                                         Highly competitive market




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Irish Life & Permanent plc - SWOT Profile                                                                        Page 1
Irish Life & Permanent plc

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ................................................................................................................................................5
    1.2       Business Description ..............................................................................................................................................5
    1.3       Major Products and Services .................................................................................................................................6
2     Analysis of Key Performance Indicators ............................................................................................... 7
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ..........................................7
    2.2       Key Financial Performance Indicators ...................................................................................................................9
      2.2.1       Total Revenues and Operating Profit ................................................................................................................9
      2.2.2       Total Premiums Earned ...................................................................................................................................10
      2.2.3       Asset, Liabilities and Capex .............................................................................................................................11
      2.2.4       Gearing Ratio ...................................................................................................................................................12
    2.3       Key Competitors ...................................................................................................................................................13
3     Mergers & Acquisitions and Partnerships ........................................................................................... 14
    3.1       M&A and Partnerships Strategy ...........................................................................................................................14
4     Recent Developments ........................................................................................................................... 16
5     SWOT Analysis ...................................................................................................................................... 18
    5.1       SWOT Analysis - Overview ..................................................................................................................................18
    5.2       Strengths ..............................................................................................................................................................18
    5.3       Weaknesses .........................................................................................................................................................18
    5.4       Opportunities ........................................................................................................................................................19
    5.5       Threats .................................................................................................................................................................19
6     Company Statement .............................................................................................................................. 20
7     History .................................................................................................................................................... 23
8     Key Employees ...................................................................................................................................... 24
9     Key Employee Biographies................................................................................................................... 25
10    Locations and Subsidiaries .................................................................................................................. 26
    10.1      Head Office ..........................................................................................................................................................26
    10.2      Other Locations and Subsidiaries ........................................................................................................................26
11    Appendix ................................................................................................................................................ 27
    11.1      Methodology .........................................................................................................................................................27
    11.2      Ratio Definitions ...................................................................................................................................................27
    11.3      Disclaimer.............................................................................................................................................................31




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Irish Life & Permanent plc - SWOT Profile                                                                                                                                   Page 2
Irish Life & Permanent plc

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List of Tables

Table 1: Major Products and Services....................................................................................................................................6
Table 2: Key Ratios - Annual ..................................................................................................................................................7
Table 3: Key Ratios - Interim ..................................................................................................................................................8
Table 4: Key Capital Market Indicators ..................................................................................................................................8
Table 5: History.....................................................................................................................................................................23
Table 6: Key Employees .......................................................................................................................................................24
Table 7: Key Employee Biographies ....................................................................................................................................25
Table 8: Subsidiaries ............................................................................................................................................................26




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Irish Life & Permanent plc - SWOT Profile                                                                                                                                  Page 3
Irish Life & Permanent plc

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List of Figures

Figure 1: Total Revenues and Operating Profit ......................................................................................................................9
Figure 2: Total Premiums Earned.........................................................................................................................................10
Figure 3: Financial Position ..................................................................................................................................................11
Figure 4: Gearing Ratio ........................................................................................................................................................12




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Irish Life & Permanent plc - SWOT Profile                                                                                                                             Page 4
Irish Life & Permanent plc

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1 Business Analysis

1.1   Company Overview

Irish Life & Permanent plc (IL&P) is a financial services company, based in Ireland. The company provides personal
financial services such as life insurance and pensions, fund management, and retail banking. It provides retail banking
services under the permanent tsb brand, its life assurance and pensions under the Irish Life Assurance brand, fund
management under the Irish Life Investment Managers brand, and general insurance through its associate company,
Allianz-Irish Life Holdings plc. It operates through its subsidiary companies, which include permanent tsb, Capital Home
Loans, Irish Life Assurance, Irish Life International and Springboard Mortgages. It provides its services primarily in Ireland
and the UK. IL&P is a subsidiary of Irish Life & Permanent Group Holdings plc. The company is headquartered in Dublin,
Ireland
				
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