bank of ireland group preliminary announcement for the year to 31 march 2006 performance highlights our clear strategy is delivering excellent results we will continue meet strategic commitments step up pace delivery and i am confident a continued strong in 07 brian goggin chief executive commented key messages profit growth 16 particular retail life wholesale investment initiatives ukfs income 8 driven by very lending resources partially offset reduction margin cost well contained at 3 with improvement efficiency ratios ratio down 2 57 1 transformation programme ahead target 35 million saving delivered asset quality impairment charge represents 11bps average loans capital total tier 11 4 7 5 respectively dividend 15 18 o volume higher fee managed costs competing successfully building on service ethos launch customer changing
