Bank of Ireland has reported a loss of 569 million euro last year.
That's down significantly on losses of 1-point-4 billion in 2012.
The bank says mortgage arrears remain a key focus - with eight out of ten of "challenged" mortgages with agreed restructuring plans now meeting repayments.
Advertisement
And its level of defaulted loans has fallen by 1-point-2 billion or 6 per cent since June 2013.
Bank of Ireland CEO Richie Boucher was speaking to our business correspondent Ian Guider on Newstalk Breakfast this morning: