Bank of Ireland has dropped a plan to sell its division, ICS Building Society.
The bank made the decision because the building society holds €4 billion of deposits.
The EU/IMF plan for Ireland has placed an emphasis on banks increasing their level of savings.
Bank of Ireland has also been given an extra year to sell its life assurance division, New Ireland.
In a document published this evening, the bank gave further details of plans to share losses with bondholders.
If the bank cannot secure any private investment, it would leave the State with stake of between 63% to 87%.
However, the bank stressed it continued to hold active discussions with potential investors.
It also said if bondholders opted to swap their bonds for shares they would get 40 cent for every euro they were owed.
Alternatively, if they took cash instead of shares they would get 20 cent for every euro they were owed.
This mechanism has created an incentive to get bondholders to swap bonds for shares instead of taking cash.
