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Annual Report& Accounts
2008
Caring for the environment
At Anglo Irish Bank, we take a responsible approach to environmental issues and have worked with our print partner to minimise theenvironmental impact of our Annual Report publication.The paper selected for this report comes from certified well managed forests, accredited by the PEFC to a standard known as Chainof Custody. These certified forests are managed to ensure long term timber supplies while protecting the environment and the lives ofthe forest dependent people. The Annual Report is a CarbonNeutral
®
publication. This was achieved by selecting a print partner who isalready CarbonNeutral
®
and by offsetting the lifecycle emissions of the paper that was used in the Annual Report.Anglo Irish Bank is pleased to be able to add both the CarbonNeutral
®
and the PEFC logos as evidence of achieving these standards.
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Anglo Irish Bank
Annual Report & Accounts 2008
01
Statement of recognised income 35and expenseCash flow statement 36Notes to the financial statements 38Consolidated income statement 160(USD, GBP)Consolidated balance sheet 161(USD, GBP)Schedule to the Report of the Directors 162
Contents
Letter from the Executive Chairman 02Business review 06Board of Directors 12Corporate Responsibility 14Principal risks and uncertainties 20Report of the Directors 22Statement of Directors’ responsibilities 24Corporate governance statement 25Independent Auditors’ report 30Consolidated income statement 32Consolidated balance sheet 33Bank balance sheet 34
Financial performance
2008
2007
Profit before taxation (
€
m) 784 1,243Earnings per share (cent) 88.4 134.7Cost to income ratio 17% 22%Customer lending (
€
m)* 73,157 67,076Total assets (
€
m) 101,321 96,652Core Tier 1 capital (
€
m) 5,068 4,445
* Including lending associated with our assurance company
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