This document contains “forward looking statements” with respect to certain of the group’s plans and its current goals and expectations relating to its future financial condition, performance and results. By their nature, all forward looking statements involve risk and uncertainty because they relate to future events that are often beyond the group’s control. For example, certain insurance risk disclosures are dependent on choices about assumptions and models, and by their nature are best estimates. Actual future gains and losses could differ materially from those that have been estimated. Other factors that could cause actual results to differ materially from those estimated by the forward looking statements include, but are not limited to, Irish domestic and global economic business conditions, interest rates, equity and property prices, the impact of competition, inflation and deflation, changes to customers’ saving, spending and borrowing habits and the group’s success in managing the above factors.
As a result, the actual future financial condition and performance of the group may differ from the targets and goals set out in the forward looking statements. The group has no obligation to update any forward looking statement contained in this annual report.