LEHMAN BROTHERS:

Lehman was a global financial services firm. started in 1844 as a small grocery and dry goods store established by Henry Lehman. Later on they traded cotton, moved to New York and established New York Cotton Exchange. After this events Lehman continued on the road of success and before declaring bankruptcy in 2008, Lehman was the fourth largest investment bank in the USA with 26000 employees, doing business in , equity and fixed-income sales and trading (especially U.S. Treasury securities), market research, investment management, , and . On September 15, 2008, the firm filed for bankruptcy protection following the massive exodus of most of its clients, drastic losses in its stock, and devaluation of its assets by credit rating agencies. The filing marked the largest bankruptcy in U.S. history, which is a major cause of crisis. REASONS OF FAILURE: (2007-2008)

There were many reasons behind the collapse of Lahman brothers but the main cause was technical issues and corporate governance failures. Lehman Brothers had very weak corporate governance arrangements. The main areas of weakness were board of directors, corporate risk management, remuneration scheme and nomination committees. As the crisis started in August 2007 with the failure of two funds Lehman’s stock fell sharply. During that month company eliminated 2,500 jobs and shut down its BNC unit. It also closed offices in three states. Lehman’s collapse was a seminal event that greatly intensified the 2008 crisis and contributed to the erosion of close to ten trillion in market capitalization from global equity markets in October 2008, the biggest monthly decline on record at the time. CEOS: Peter A. Cohen (CEO Lehman in 1983)

Mr. Peter A. Cohen is Chairman of the Board, Chief Executive Officer of Cowen Group, Inc. Mr. Cohen serves as Chairman of the Company's Board of Directors and Chief Executive Officer of Cowen Group. After receiving his Bachelor of Science degree from Ohio State University in 1968, Mr. Cohen earned his M.B.A. from Columbia University in 1969 and began a career on Wall Street at Reynolds & Co. In 1970, he joined the firm which became Lehman Brothers. In 1973, Mr. Cohen became Assistant to the Chairman of the firm, Sanford Weill, and was involved in all aspects of the firm's activities. In 1978, Mr. Cohen left Shearson for one year to work directly for Edmond Safra at Republic NY Corporation and Trade Development Bank Holdings in Geneva, Switzerland and returned to Shearson in 1979. Shearson merged with in 1981 at which time he became President & Chief Operating Officer and in 1983 Chairman and Chief Executive Officer, a position he held until 1990.

In 1991, Mr. Cohen formed Republic New York Securities and Republic Asset Management for Republic National Bank of New York and at the same time commenced the activities around which Ramius was formed in 1994. Mr. Cohen was Chairman of the Board and Chief Executive Officer of Shearson Lehman Brothers from 1983 to 1990. Over his career, Mr. Cohen has served on a number of corporate, industry and philanthropic boards. (CEO Lehman in 1993)

Harvey Golub is an American businessman. He received a Bachelor of Science from the . He worked as a Senior Partner with McKinsey & Company. From 1993 to 2001, he was Chief Executive Officer of American Express. He served as Chairman of the Board at the Campbell Soup Company from November 2004 to July 2009. He served as Chairman of the American International Group (AIG). His resignation as AIG Chairman was announced on July 16, 2010.He currently serves as the Chairman of Miller Buckfire.

Richard Fuld (CEO Lehman 2008)

Richard fuld is an American banker best known as the final Chairman and Chief Executive Officer of Lehman Brothers. Fuld had held this position since the firm's 1994 spinoff from American Express until 2008.He received both a B.A. and B.S. from the University of Colorado Boulder in 1969 and his M.B.A. from New York University's Stern School of Business. He then began his career with Lehman Brothers in 1969, the year the firm's senior partner Robert Lehman died, and stayed at the company until its bankruptcy. Fuld worked for Lehman for nearly 40 years. During this time, Fuld witnessed and participated in the numerous changes within the organization, including its merger with Kuhn, Loeb & Co, its acquisition by American Express, its merger with E.F. Hutton, and its ultimate spin-off from American Express in 1994, once again as Lehman Brothers.

Lehman Brothers is considered to be an example of a company that failed during the financial crisis of 2008 in large part due to ineffective oversight by the board of directors. The board did not sufficiently monitor the decisions of senior management or understand the risks that the company was exposed to as a result of those decisions. Fuld, his management team and Lehman’s Board of Directors failed Lehman’s shareholders (the real owners of the company) and destroyed one of the best names in global finance.

Richard Fuld was aggressive, confrontation, and blunt leader. He was a difficult executive to monitor. As many successful CEOs, he also kept a lifestyle that isolated him from the real world and receiving all his information through a small number of people. He was not able to find a solution for Lehman, as he overvalued the company and failed to realize the severity of the situation facing Lehman. Fuld overvalued the company because he had worked there for too long, was not up to date with developments of modern finance.

Under his leadership, Lehman continued to not only carry out the traditional tasks of an investment bank, but also to push deeply into the new financial markets that were emerging at the time. For one thing, it early on became a leader in the subprime securitization market. Till Fuld was pushed to the side in June 2008, he ran Lehman in an authoritarian manner, creating the very aggressive and competitive type of corporate culture that seems to be characteristic of modern investment banks.

Fuld’s personal experience was as a bond trader and that he had little understanding of such new financial instruments such as collateralized debt obligations, credit default swaps etc, so Fuld makes some of his clumsy attempts to deal with the crisis.

The story of Lehman Brothers’ demise is unfortunate, and the real tragedy lies in the lack of ethical behavior of its executives and professional advisors. They need to have a mile-high view of the business climate and potential risks to the company. They would take steps to protect the company from emerging threats, if all business leaders subscribed to being accountable and responsible for their actions we wouldn't have a Lehman Brothers type of an event.

American International Group, Inc. Also known as AIG – is an American multinational insurance corporation with more than 88 million customers in 130 countries. AIG companies employ over 64,000 people in 90 countries. The company operates through three businesses: AIG Property Casualty, AIG Life and Retirement and United Guaranty Corporation (UGC). AIG Property Casualty provides insurance products for commercial, institutional and individual customers. AIG Life and Retirement provides life insurance and retirement services in the . UGC focuses on mortgage guaranty insurance and mortgage insurance. AIG also focuses on global capital markets operations, direct investment and retained interests. AIG’s corporate headquarters are in , its British headquarters are in London, continental Europe operations are based in La Defense, Paris, and its Asian headquarters are in Hong Kong. The company serves 98% of the Fortune 500 companies, 96% of Fortune 1000, and 90% of Fortune Global 500, and insures 40% of Forbes 400 Richest Americans. AIG was ranked 40th largest company in the 2014 Fortune 500 list. According to the 2014 Forbes Global 2000 list, AIG is the 42nd-largest public company in the world. On March 31, 2015 AIG had a market capitalization of $75.04 billion Accounting Scandal. In 2005, AIG became embroiled in a series of fraud investigations conducted by the Securities and Exchange Commission, U.S. Justice Department, and New York State Attorney General's Office. Greenberg was ousted amid an accounting scandal in February 2005. The New York Attorney General's investigation led to a $1.6 billion fine for AIG and criminal charges for some of its executives On May 1, 2005, investigations conducted by outside counsel at the request of AIG's Audit Committee and the consultation with AIG's independent auditors, PricewaterhouseCoopers LLP resulted in AIG's decision to restate its financial statements for the years ended December 31, 2003, 2002, 2001 and 2000, the quarters ended March 31, June 30 and September 30, 2004 and 2003 and the quarter ended December 31, 2003. On November 9, 2005, the company was said to have delayed its third-quarter earnings report because it had to restate earlier financial results, to correct accounting errors.

Martin J. Sullivan became CEO of the company. He began his career at AIG as a clerk in its London office in 1970. AIG then took on tens of billions of dollars of risk associated with mortgages. It insured tens of billions of dollars of derivatives against default, but did not purchase reinsurance to hedge that risk. Secondly, it used collateral on deposit to buy mortgage- backed securities. When losses hit the mortgage market in 2007-2008, AIG had to pay out insurance claims and also replace the losses in its collateral accounts AIG purchased the remaining 39% that it did not own of online auto insurance specialist 21st Century Insurance in 2007 for $749 million. With the failure of the parent company and the continuing recession in late 2008, AIG rebranded its insurance unit to 21st Century Insurance. On June 11, 2008, three stockholders, collectively owning 4% of the outstanding stock of AIG, delivered a letter to the Board of Directors of AIG seeking to oust CEO Martin Sullivan and make certain other management and Board of Directors changes. This letter was the latest volley in what called a "public spat" between the company's board and management, on the one hand, and its key stockholders, and former CEO Maurice Greenberg on the other hand. On June 15, 2008, after disclosure of financial losses and subsequent to a falling stock price, Sullivan resigned and was replaced by Robert B. Willumstad, Chairman of the AIG Board of Directors since 2006. Willumstad was forced by the US government to step down and was replaced by Edward M. Liddy on September 17, 2008. AIG's board of directors named Robert Benmosche CEO on August 3, 2009 to replace Mr. Liddy, who earlier in the year announced his retirement. AIG faced the most difficult financial crisis in its history when a series of events unfolded in late 2008. The insurer had sold credit protection through its London unit in the form of credit default swaps(CDSs) on collateralized debt obligations (CDOs) but they had declined in value. The AIG Financial Products division, headed by , in London, had entered into credit default swaps to insure $441 billion worth of securities originally rated AAA. Of those securities, $57.8 billion were structured debt securities backed by subprime loans. As a result, AIG’s credit rating was downgraded and it was required to post additional collateral with its trading counter-parties, leading to a liquidity crisis that began on September 16, 2008 and essentially bankrupted all of AIG. The United States Bank stepped in, announcing the creation of a secured credit facility of up to US$85 billion to prevent the company's collapse, enabling AIG to deliver additional collateral to its credit default swap trading partners. The credit facility was secured by the stock in AIG-owned subsidiaries in the form of warrants for a 79.9% equity stake in the company and the right to suspend dividends to previously issued common and preferred stock The AIG board accepted the terms of the Federal Reserve rescue package that same day, making it the largest government bailout of a private company in U.S. history. On March 17, 2009, AIG announced that they were paying $165 million in executive bonuses, according to news reports. Total bonuses for the financial unit could reach $450 million and bonuses for the entire company could reach $1.2 billion. President Barack Obama, who voted for the AIG bailout as a Senator, responded to the planned payments by saying "[I]t's hard to understand how derivative traders at AIG warranted any bonuses, much less $165 million in extra pay. How do they justify this outrage to the taxpayers who are keeping the company afloat?" and "In the last six months, AIG has received substantial sums from the U.S. Treasury. I’ve asked Secretary Timothy Geithner to use that leverage and pursue every legal avenue to block these bonuses and make the American taxpayers whole."Politicians on both sides of the Congressional aisle reacted with outrage to the planned bonuses. Political commentators and journalists expressed an equally bipartisan outrage. Due to the Q3 2011 net loss widening, on November 3, 2011, AIG shares plunged 49 percent year to date. The insurer's board approved a share buyback of as much as $1 billion. The U.S. Department of the Treasury in December 2012 published an itemized list of the loans, stock purchases, special purpose vehicles (SPVs) and other investments engaged in with AIG, the amount AIG paid back and the positive return on the loans and investments to the government. Treasury said that it and the Federal Reserve Bank of New York provided a total $182.3 billion to AIG, which paid back a total $205 billion, for a total positive return, or profit, to the government of $22.7 billion. In addition, AIG sold off a number of its own assets to raise money to pay back the government. AIG since September 2008 marketed its assets to pay off its government loans. A global decline in the valuation of insurance businesses, and the weakening financial condition of potential bidders, challenged its efforts. AIG closed on the sale of its Hartford Steam Boiler unit on March 31, 2009 to Munich Re for $742 million, which was announced December 22, 2008. On April 16, 2009, AIG announced plans to sell 21st Century Insurance subsidiary to Farmers Insurance Group for $1.9 billion. June 10, 2009. AIG sold down its majority ownership of reinsurer Transatlantic Re. The Wall Street Journal reported on September 7, 2009 that Pacific Century Group had agreed to pay $500 million for a part of American International Group's asset management business, and that they also expected to pay an additional $200 million to AIG in carried interest and other payments linked to future performance of the business. AIG agreed in March 2010 to sell its American Life Insurance Co. (ALICO) to MetLife Inc. for $15.5 billion in cash and MetLife stock. Bloomberg L.P. reported on March 29 that after almost three months of delays, AIG had completed the $500 million sale of a portion of its asset management business, branded PineBridge Investments, to the Asia-based Pacific Century Group. Fortress Investment Group purchased 80% of the interest in financing company American General Finance in August 2010. AIG in September sold AIG Starr and AIG Edison, two of its Japan-based companies, to Prudential Financial for $4.2 billion in cash and $600 million in assumption of third party AIG debt by Prudential.On November 1, AIG announced it has raised $36.71 billion from both the sale of ALICO and its IPO of AIA. Proceeds go specifically to pay off FRB of New York loan. In October 2010 the WSJ reported that a family sued AIG for alleged complicity in a 'stranger-originated life insurance' scheme, whereby AIG managers allegedly welcomed people without an insurable interest to take out life insurance policies against others. The case involved JB Carlson and Germaine Tomlinson, and was one of many similar lawsuits in the US at the time. Reported in January 2011, AIG sold its Taiwanese life insurance company, Nan Shan Life, to a consortium of buyers for $2.16 billion.May 7, 2012. Treasury announced an offering of 188.5 million shares of AIG for a total of $5.8 billion. The sale reduced Treasury’s stake in AIG to 61 percent, from 70 percent before the transaction.September 6, 2012. AIG sold $2 billion of its investment in AIA to repay government loans. The board also approved a $5 billion stock repurchase of government-owned shares in AIA.September 14, 2012. The Treasury completed its fifth sale of AIG common stock, with proceeds of approximately $20.7 billion, reducing the Treasury’s ownership stake in AIG to approximately 15.9 percent from 53 percent. Government commitments were fully recovered, and Treasury and the FRBNY to date had received a combined positive return of approximately $15.1 billion.December 14, 2012. Treasury sold the last of its AIG stock in its sixth stock stale for a total of approximately $7.6 billion. In total, the Treasury Department realized a gain of more than $22 billion from the sale of AIG common stock and $0.9 billion from the sale of AIG preferred stock.AIG began an advertising campaign on January 1, 2013, called "Thank You America," in which several company employees, including AIG President and CEO Robert Benmosche, talked directly to the camera and offered their thanks for the government assistance. In January 2013, AIG's board discussed joining a lawsuit against the United States government because the bailout they received was unfair to their investors. The idea was rejected. AIG was criticized, however, when news stories soon appeared that it was considering joining a lawsuit brought by AIG shareholders and former CEO Maurice Greenberg against the New York Federal Reserve Bank for what the plaintiffs considered unfair terms imposed on AIG by the New York Fed. The AIG board announced on January 9, 2013, that the company would not join the lawsuit, and on January 9, 2013, told CNBC’s Maria Bartiromo that it would not be “socially acceptable” for AIG to sue the government, continuing that while people may be angry, "a deal’s a deal."The specific issue was whether the New York Federal Reserve transferred $18 billion in litigation claims on troubled mortgage debt to Maiden Lane II, an entity created by the Fed in 2008, and thus prevented AIG from recouping losses from insured banks. On May 7, 2013, Los Angeles U.S. District Judge, Mariana Pfaelzer, ruled that $7.3 billion of the disputed claims had, in fact, not been assigned. AIG withdrew the case "with prejudice" on May 28, 2013. Praelzer was overseeing a suit between AIG and Bank of America (BAC-US) concerning possible misrepresentations by Merrill Lynch and Countrywide as to the quality of the mortgage portfolio. In signing the order closing the case, U.S. District Judge Lewis Kaplan who also adjudicated the Maiden Lane case, American International Group Inc. et al. v. Maiden Lane II LLC, U.S. District Court, Southern District of New York, No. 13-00951 admonished the Fed saying, "On the face of it" some of its actions "perhaps are unattractive and, indeed, wrongful.”

Mr. Robert Bruce Willumstad, also known as Bob, Co- founded Brysam Global Partners in 2005 and serves as its Partner and Senior Adviser. Mr. Willumstad served as Senior Adviser of Commercial International Bank (Egypt) S.A.E. He served as Chief Executive Officer of Citicorp Credit Services, Inc. He served as the Chief Executive Officer at American International Group, Inc. from June 2006 to September 18, 2008. In 2005, he retired from . Mr. Willumstad served as Chief Executive Officer of CitiCorp. Credit Services, Inc., CitiCorp. and N.A. He served as Chief Executive Officer of Citi Private Bank. He served as the President and Chief Operating Officer of Citigroup Asset Management. He served as the President and Chief Operating Officer of Global Investment Management at Citigroup Inc. He served as the Head of Global Consumer Lending from 1998 to 2000. Mr. Willumstad served as the Chief Operating Officer and President at Citigroup Inc. from October 2003 to July 2005 and from 2002 to July 2005. He served as the Chief Executive Officer of Travelers Group Consumer Finance Services and The Citigroup Private Bank. He joined Commercial Credit in 1987 and served as the Chief Executive Officer from 1993 to 1998. Mr. Willumstad served in various positions spanning operations, retail banking, and computer systems at for 20 years and served as President at Chemical Technologies Corporation. He was the President of Citigroup at CitiFinancial Credit Company. He served at JPMorgan Chase & Co. He serves as Chairman of Adelphi University and Independence Bancshares Inc. He served as the Chairman of Travelers Group Consumer Finance Services. He served as the Chairman at Global Investment Management at Citigroup Inc. and Commercial Credit. He was the Chairman at CitiFinancial Credit Company. He served as Vice Chairman of Mastercard Incorporated and served as its Director since June 2002. He served as the Vice Chairman of MasterCard International Inc. and MasterCard Worldwide, Inc. since 1999. Mr. Willumstad served as the Chairman of American International Group, Inc. from January 11, 2006 to September 18, 2008. He serves as a Director of AIG Aviation, Inc. He serves as a Director at S. C. Johnson & Son, Inc., SC Johnson Ltd. He has been a Director of Independence Bancshares Inc. since May 7, 2013. He serves as a Trustee at the American Scandinavian Foundation. He served as a Director of Vozrozhdeniye Bank from July 2008 to June 25, 2010. He served as a Director of Global Investment Management at Citigroup and Global Consumer and Financial Services Roundtable. He served as a Director of International Lease Finance Corp. Mr. Willumstad served as a Director of Commercial International Bank (Egypt) S.A.E. until February 17, 2010. He served as a Director of Citigroup, Inc. from July 2003 to July 2005. He served as a Director of American International Group, Inc. from January 18, 2006 to September 18, 2008. He served as a Director of Adelphi University. He served as a Director of Citibank N.A. and Mastercard Incorporated. He served as a Director of Habitat For Humanity International Inc. Mr. Willumstad served as a Director of IxeGrupoFinanciero SA de CV., CitiCorp. and Citigroup Foundation

In 1971 Sullivan joined AIU's finance department, the non-life UK company of AIG. In 1974, he joined the Property Department and held a succession of underwriting and management assignments in the UK and Ireland. In 1983, Sullivan was appointed Property Manager for the UK and later Regional Property Manager for the UK/Ireland. In 1988 Sullivan became UK/Ireland Marketing Manager of AIU. Sullivan was appointed Assistant Managing Director of AIG Europe (UK) Ltd. in 1989 and Chief Operating Officer in 1991. In 1993 he was named President of AIU's UK/Ireland Division and Managing Director of AIG Europe (UK) Ltd. Sullivan became Senior Vice President, Foreign General Insurance in 1996, and Executive Vice President, Foreign General in 1998. In 1996 he was appointed Chief Operating Officer of AIU in New York and named President in 1997. He was elected to the Board of AIG in May 2002 and was groomed as a potential CEO. Sullivan succeeded Maurice R. Greenberg, who stepped down as AIG's CEO amidst an accounting scandal. His career and accomplishments at AIG prior to his appointment as CEO were viewed positively. Frank Zarb, chairman of the executive committee at the time of Sullivan's CEO appointment, said, "AIG has a very strong and deep management team, and Martin Sullivan is a proven leader who will be an outstanding CEO. Martin has a distinguished record of accomplishment at AIG. He has achieved significant results in several key positions, and he has a deep understanding of AIG's major businesses throughout its domestic and international operations." Soon after his appointment as CEO on March 14, 2005, Sullivan began work on settling certain of AIG's regulatory issues that he inherited from Greenberg. This led to a settlement with then New York Attorney General Eliot Spitzer that was announced on February 9, 2006 and was viewed as an important first cleanup step for AIG. [3] Sullivan also successfully helped lead AIG through a required financial statement as a result of these various regulatory and accounting issues. Sullivan was replaced as CEO by Robert Willumstad on June 15, 2008. Maurice R. Greenberg is chairman and CEO of C.V. Starr & Co. Inc. Mr. Greenberg retired as chairman and CEO of American International Group (AIG) in March 2005. AIG was created by C.V. Starr & Co., Inc., and under his leadership, AIG became the largest insurance and financial services company in the world. Mr. Greenberg serves on the President’s Council on International Activities of Yale University, is honorary vice chairman of the Council on Foreign Relations, and is vice chairman of the National Committee on United States–China Relations. He is a past chairman and director of the Federal Reserve Bank of New York, and he is active on the boards of many other civic and charitable organizations in the United States and Asia. In 1990, Mr. Greenberg was appointed by Zhu Rongji, then mayor of Shanghai, to be the first chairman of the International Business Leaders’ Advisory Council for the Mayor of Shanghai. In 1994, Mr. Greenberg was appointed senior economic adviser to the Beijing municipal government. He was awarded “Honorary Citizen of Shanghai” in 1997. He serves on the Advisory Board of the Tsinghua School of Economics and Management, the International Advisory Council of the China Development Research Foundation, and the China Development Bank. On June 6, 2014, at the 70th anniversary celebration of D-Day at the Statue of Liberty in New York, Mr. Greenberg was awarded the French Ordre National de la Légiond’Honneur for his service during World War II. He is also the recipient of the Bronze Star Medal from the United States. Mr. Greenberg received his pre-law certificate from the University of Miami and his LL.B from New York Law School in 1950 and has been granted honorary degrees from a number of universities ALLIANCE AND LEICESTER: DAVID JONATHAN BACKGROUND

Mr. David Jonathan Bennett served as an Executive Director of Integration Advisor & Intermediaries at Santander UK plc (also known as Abbey National plc) from October 21, 2008 to April 2009. Mr. Bennett was responsible for overseeing the integration of Alliance & Leicester plc with Abbey National plc, as well as managing its intermediary mortgage business, from October 2008 to July 2009. From 1999 to 2008, he served in several roles for Alliance & Leicester.

ROLE IN 2008 CRISIS

At Alliance & Leicester, he was responsible for financial planning and reporting, strategic planning and market risk. Prior to joining Alliance & Leicester in 1999, He has many years' experience in the financial sector. He served as an Executive Director of Santander UK plc until April 2009. He served as an Executive Director of Alliance & Leicester Plc from January 1, 2000 to April 30, 2009. In his CEO role at Alliance & Leicester David had overall responsibility for assets of £77bn, profits of £400m.

The 2008 recession took the whole economy down. "There is a risk that the current economic and market turbulence could continue for a significant period of time and a risk of further uncertainty and contagion impacting the valuation of Alliance & Leicester," david said.

Group chief executive David Bennett also says: "I apologize sincerely for our shortcomings. "We will be writing to every customer concerned and will be working with independent accountants and the FSA to ensure that we put right any disadvantage identified." He adds: "Customers can be assured that we are taking this matter very seriously and that we have reviewed and tightened up our processes from December 2007 to ensure that all customers get the right information and advice." Present Appointments EasyJetplc NED and Chairman Audit Committee Pacnet Limited NED and Chairman Remuneration Co Jerrolds Holdings plc NED and Chairman

RICHARD PYM

BACKGROUND

Mr. Richard A. Pym served as the Chief Executive of NRAM plc (Alternative Name: Northern Rock plc). Mr. Pym served as Group Chief Executive Officer of Alliance & Leicester PLC from June 2002 to July 2007. He served as Vice President of British Bankers Association from 2004 to 2007. He served as a Finance Director of Alliance & Leicester since 1992.

ROLE IN 2008

Pym is widely seen as a steady hand and as a rare example of an honourable banker, notably when in 2009 he gave himself a savage six-figure pay cut at BNB He retired as the chief executive of Alliance & Leicester in 2007, where he was highly regarded, going on to chair the stricken Bradford & Bingley. Although Pym is one of the few banking bosses to have navigated the financial crisis without a serious taint on his reputation, there has been the odd sticky moment. Formerly the chief executive of Alliance & Leicester (A&L), Pym ran that bank with restraint over much of the last decade while competitors such as After stepping down from A&L in 2009, he was part of JC Flowers's bid team for Northern Rock, and would have become interim chief executive had the private equity group succeeded.

CURRENT APPOINTMENT Chairman of AIB group plc.

REFERENCES  www.bloomberg.com  www.financialtimes.com  www.investopedia.com  www.wikipedia.com  www.telegraph.co.uk