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permanent tsb is the retail banking division of Irish Life & Permanent plc. Irish Life & Permanent plc was formed by the merger of Irish Permanent plc and Irish Life plc in April 1999.

This merger brought together the combined strengths of Ireland's largest home loans provider and the country's largest insurance company.

The strategic focus of the group is the personal financial services market in Ireland. This sector is experiencing rapid growth driven by a very strong economy and favourable demographics. The principal products of the group are life and pensions, savings, investments, residential mortgages and auto finance. The group operates a multichannel distribution strategy across this product range through its branch network, direct sales force, agencies, independent intermediaries and direct access via telephone and internet.

Over the past two years the successfully merged business has developed in to a world class bancassurance operation with numerous successful initiatives leading to impressive financial performance by the Group.





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