Board Change • May 20
High number of new directors There are 8 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Silvia Milian Bon was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Duyuru • May 09
FBD Holdings plc Approves Final Dividend for the Year Ended December 31, 2025 FBD Holdings plc at its AGM held on May 7, 2025 approved to declare a final dividend of 100 cent per ordinary share for the year ended December 31, 2025. Board Change • Dec 30
High number of new directors There are 7 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Paul Stanley was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Duyuru • Dec 08
FBD Holdings plc, Annual General Meeting, May 07, 2026 FBD Holdings plc, Annual General Meeting, May 07, 2026. Duyuru • Sep 20
FBD Holdings plc and FBD Insurance plc Announces Appointment of Paul Stanley as an Independent Non-Executive Director and as Member and Chair of the Audit Committee, Effective September 19, 2025 FBD Holdings plc and FBD Insurance plc announced the appointment of Mr. Paul Stanley as an Independent Non-Executive Director of both the company. Mr. Stanley has also been appointed as a Member of the Audit Committee of FBD Holdings plc and as Chair of the Audit Committee of FBD Insurance plc. These appointments will take September 19, 2025. Mr. Stanley is a Fellow of the Association of Certified Chartered Accountants, and he is a member of the Institute of Directors. He is an experienced business leader in the Financial Services sector, having spent a large part of his career in AIB in several lead roles and served as the Bank's Chief Financial Officer before departing in 2013. He subsequently worked with Ulster Bank Ireland and served as an Executive Board member, Chief Financial Officer and Deputy Chief Executive Officer. Mr. Stanley is a Non-Executive Director of U.S Bank Europe DAC and Chair of its Audit Committee. Duyuru • Aug 30
FBD Holdings plc and FBD Insurance plc Announce Management Changes FBD Holdings plc ("FBD") and FBD Insurance plc announced the following changes in Director Responsibilities. As part of ongoing succession planning and board refreshment, Ms Mary Brennan will retire as Independent Non-Executive Director of FBD Holdings plc and FBD Insurance plc at the end of her nine-year term on 31 August 2025. On the same date Ms Brennan will also retire from her role as Chair of the Risk Committee and member of the Audit Committee of FBD Holdings plc and as Chair of the Audit Committee and member of the Risk Committee of FBD Insurance plc. The Board is at an advanced stage in the recruitment of Ms Brennan's successor. Ms Sylvia Cronin, an Independent Non-Executive Director of FBD Holdings plc and FBD Insurance plc, has been appointed as a member of the Audit Committee of FBD Holdings plc and FBD Insurance plc with effect from 31 August 2025. Duyuru • Aug 08
FBD Holdings plc Approves Special Dividend, Payable on 17 October 2025 FBD Holdings plc announced the board has approved a special dividend of 75 cent per ordinary share returning a portion of excess capital to shareholders. This is in line with the company's intention to move closer to target capital levels over time, while preserving the sustainability of the company's annual ordinary dividend and maintaining a robust capital position for the company's growing business. The special dividend approved by the Board on 7 August 2025 will be paid on 17 October 2025 to the holders of shares on the register on 12 September 2025. The dividend is subject to withholding tax (DWT) except for shareholders who are exempt from DWT and who have furnished a properly completed declaration of exemption to the Company's Registrar from whom further details may be obtained. Duyuru • May 10
FBD Holdings plc Approves Final Dividend Payment FBD Holdings plc at its AGM held on 8 May 2025 approved a Final Dividend of 100 cent per Ordinary Share. Duyuru • Mar 07
FBD Holdings plc Proposes Ordinary Dividend for the Year ended December 31, 2024, Payable on 11 June 2025 FBD Holdings plc proposed ordinary dividend of 100 cents for the year ended December 31, 2024, dividend record date is 2 May 2025 Annual General Meeting is 8 May 2025 and Dividend payment date is 11 June 2025. Duyuru • Dec 11
FBD Holdings plc, Annual General Meeting, May 08, 2025 FBD Holdings plc, Annual General Meeting, May 08, 2025. Duyuru • Nov 26
FBD Holdings plc and FBD Insurance plc Announces Demise of John O'Dwyer, Senior Independent Director FBD Holdings plc regretfully announced that John O'Dwyer, Senior Independent Director of FBD Holdings plc and FBD Insurance plc passed away on 24 November 2024. Mr. O'Dwyer served as a member of the Board of both FBD Holdings and FBD Insurance since August 2021. Duyuru • Nov 20
Fbd Holdings plc Announces Board Change FBD Holdings plc ("FBD") announced the appointment of Mr. Jim Bergin as an independent non-executive director with immediate effect. As disclosed in the 2023 Annual Report, Mr. Liam Herlihy, having completed nine years on the board of directors of FBD (the "Board"), will retire as director and chair of FBD at the conclusion of the 2025 Annual General Meeting (AGM) on 8 May 2025. Following an extensive succession process undertaken by the Board's Nomination and Governance Committee, led by the Senior Independent Director, Mr. Bergin was identified as the successful candidate for the position of Chair of the Board. He will commence his role as Chair of the Board immediately following the conclusion of the AGM. The appointment of Mr. Bergin to the Board as an independent non-executive director with immediate effect will ensure that there is an effective and orderly transition process to May 2025. As the former Chief Executive Officer and Director of Tirlán Co-Operative Society Limited (until July 2024), Mr. Bergin spent a considerable part of his career in Glanbia plc in a number of senior management positions. He was former chair of the Irish Dairy Industry Association and is currently chair of the Teagasc 'Better Farming for Water' stakeholder steering committee. He is also an independent non-executive director of Enable Ireland and vice chair of the governing body of Southeast Technological University. Duyuru • Sep 10
FBD Holdings plc Announces Directorate Changes FBD Holdings plc and FBD Insurance plc announced the appointment of Mr. Francie Gorman as an independent non-executive Director with immediate effect. Mr. Gorman is a beef and sheep farmer from Ballinakill in Co Laois. He is the 17th President of the Irish Farmers' Association (IFA) and commenced his four-year term in January 2024. Mr. Gorman previously served as IFA Regional Chair for South Leinster, Chair of IFA Laois and represented IFA Laois on the IFA National Farm Business Committee. Mr. Gorman is a Non-Executive Director of Bord Bia which is an Irish semi state Agency whose remit is to market and promote Ireland's food, drink and horticulture industry in Ireland and abroad. Mr. Tim Cullinan, former President of the IFA, will be resigning from the Board with immediate effect. Reported Earnings • Aug 12
First half 2024 earnings released: EPS: €0.79 (vs €0.91 in 1H 2023) First half 2024 results: EPS: €0.79 (down from €0.91 in 1H 2023). Revenue: €225.7m (up 12% from 1H 2023). Net income: €28.1m (down 16% from 1H 2023). Profit margin: 12% (down from 17% in 1H 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.7% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Insurance industry in Europe. New Risk • Aug 11
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 14% Last year net profit margin: 26% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 20% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (14% net profit margin). Shareholders have been diluted in the past year (14% increase in shares outstanding). Duyuru • Aug 09
FBD Holdings plc Appoints John O'Dwyer as Senior Independent Director FBD Holdings plc announced the appointment of Mr. John O'Dwyer as Senior Independent Director of FBD Holdings plc with immediate effect. Mr. O'Dwyer joined the Board of FBD Holdings plc in August 2021. He has a strong background in financial services, having spent all of his career working in the insurance industry, particularly in the Heath Insurance sector. Prior to his appointment in FBD, John was the Chief Executive Officer of VHI. Board Change • Jun 02
High number of new directors There are 5 new directors who have joined the board in the last 3 years. Additional Independent Non-Executive Director Olive Gaughan was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model. Duyuru • May 23
FBD Holdings plc and FBD Insurance plc Announces the Appointment of Olive Gaughan as Independent Non-Executive Director FBD Holdings plc (FBD) announced the appointment of an additional Independent Non-Executive Director. Ms Olive Gaughan has been appointed to the Board of FBD Holdings plc and FBD Insurance plc (together the Group) as an Independent Non-Executive Director with immediate effect. Ms Gaughan has also been appointed as a member of the Board Audit Committee and the Board Risk Committee for the Group. Ms Gaughan is a Fellow of the Society of Actuaries in Ireland and a Fellow of the Institute and Faculty of Actuaries in the UK. She is a highly experienced Actuarial Professional and prior to her appointment, Ms Gaughan was Director of Actuarial Services in Mazars Ireland. Over the last thirty years Ms Gaughan has held several roles in the commercial sector as part of the senior management teams in Prudential International Assurance, Aviva Life and Pensions, and Canada Life Assurance. New Risk • May 10
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 24% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 24% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Shareholders have been diluted in the past year (14% increase in shares outstanding). Upcoming Dividend • Apr 25
Upcoming dividend of €1.00 per share Eligible shareholders must have bought the stock before 02 May 2024. Payment date: 07 June 2024. Payout ratio is a comfortable 52% and the cash payout ratio is 80%. Trailing yield: 7.1%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (4.2%). New Risk • Apr 18
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 14% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 9.0% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Shareholders have been diluted in the past year (14% increase in shares outstanding). Duyuru • Apr 17
FBD Insurance plc and Fbd Holdings plc Announces Demise of David O'connor, an Independent Non-Executive Director Independent Non-Executive Director of FBD Holdings plc and Chair of FBD Insurance plc FBD Insurance plc and FBD Holdings plc announced the death of David O'Connor, an Independent Non-Executive Director of FBD Holdings plc and Chair of FBD Insurance plc. Mr. O'Connor served as a member of the Board of both FBD Holdings and FBD Insurance since July 2016. Duyuru • Dec 12
FBD Holdings plc to Report First Half, 2024 Results on Aug 09, 2024 FBD Holdings plc announced that they will report first half, 2024 results on Aug 09, 2024