AIB Group is Ireland's leading banking and financial services organisation. It operates principally in Ireland, Britain, Poland and the USA. It employs more than 24,000 people worldwide in more than 800 offices. The group operates through four main divisions. 

AIB Bank ROI Division

The AIB Bank ROI Division, with total assets of €66.2bn as at December 31st 2006, encompasses the Groups Retail and Commercial Banking Operations in Ireland, Channel Islands and Isle of Man. AIB Finance & Leasing, Card Acquiring and Card Issuing businesses and AIB’s Life and Pensions joint venture with AVIVA are key elements.

AIB Bank ROI provides banking services through a distribution network of some 275 locations (187 branches, 84 outlets and 4 business centres), and in excess of 750 ATM’s.

Branch banking services are provided through a comprehensive relationship management structure to a full range of customer segments, including individuals, small and medium sized businesses (‘SME’s’), farmers and large commercial and corporate clients.  Through the branch network, the division provides a broad suite of savings and investment products, loans and overdrafts, home mortgages, payment services and foreign exchange facilities, and also issues Visa and Mastercard Credit Cards.

AIB also offers customers a debit card, which is co-branded Laser and Maestro and secured by the latest CHIP & PIN technology. In addition the division offers Internet and telephone banking services for personal customers e.g. view account information, pay bills etc and business customers who can avail of secure internet banking and a comprehensive cash management solution, including domestic and cross border payment functionality.

AIB Bank UK Division (Great Britain & Northern Ireland)

The AIB Bank UK division, with total assets of €24.6bn as at December 31st 2006, operates in two distinct markets, Great Britain and Northern Ireland, with different economies and operating environments.

The Northern Ireland Division operates from 57 full service branches under the trading name First Trust Bank. The Great Britain Division operates from 32 full service branches and eight development offices under the name Allied Irish Bank (GB).

For the seventh consecutive year AIB ‘GB’ has won the title of “Britain’s Best Business Bank” from the Forum of Private Business, being ranked top for Customer Service and maintaining it’s lead over other major banks. 

AIB Capital Markets Division

The activities of AIB Capital Markets, with total assets of €54.1bn as at December 31st 2006, comprise Corporate Banking, Global Treasury (with the exception of the International Banking Services in BZWBK) and Investment Banking, which includes the asset management and stock broking activities of the Group.

These activities are delivered through AIB Corporate Banking, Global Treasury, Investment Banking and Allied Irish America (AIA). From a base in the International Financial Services Centre in Dublin, almost 3,000 staff provide international and financial services to Irish and multinational institutions. The AIA offices are in New York, Chicago, Philadelphia, Atlanta and Los Angeles. 

AIB Poland Division

Poland division, with total assets of €7.2bn as at December 31st 2006, comprises Bank Zachodni WBK (BZWBK) in which AIB has a 70.5 % shareholding, together with its subsidiaries and associates. (Poland division refers to AIB’s majority shareholding in Bank Zachodni WBK.  The bank formed from the merger of Wielkopolski Bank Kredytowy based in Poznan and Wroclaw-based Bank in Zachodni).

BZWBK is a multi-regional retail and commercial bank with a network of 384 branches and 608 ATM’s and employed approx 7,860 staff, including those in subsidiaries. It is now Poland’s fifth largest bank. This investment gives the group access to one of the EU's and Central Europe's largest economies.

US Regional Banking Presence

AIB also has a significant presence in US regional banking with a 24% shareholding in M&T Bank Corporation, one of the top 20 banks in the US.

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