Kieran O'Donnell (Fine Gael) | Oireachtas source

In terms of their plan, how do the witnesses propose to deal with that? They have Project Glas, and it is extremely important that mortgage holders' rights are respected, but there is a further wave to come. How will that manifest itself? Will it be about sale to funds or restructure? Is it a different profile of mortgage holder? Mr. Masding spoke about long-term arrears in terms of the profile of Project Glas. I want to look under the bonnet, so to speak, to see what is coming down the tracks in terms of getting Permanent TSB fit and well because it is extremely important that we have a third force in Irish banking. If Mr. Masding was looking at it from the outside and he saw where Permanent TSB is at now, with 26% non-performing loans and a figure of well over 60% trackers, what would be his view? I want to feed into the narrative also. Percentage wise, to what does Project Glas bring the bank's tracker loan book down? One would have to say that-----