Kieran O'Donnell (Limerick City, Fine Gael)
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If Permanent TSB has a customer on positive equity and it repossesses and sells the house, does that improve the capital ratio on its balance sheet? "Yes" or "No"? If it is a risky loan in that the mortgage holder is not paying, does it improve Permanent TSB's balance sheet if it realises that loan and sells the asset? Does it improve the capital ratio of the balance sheet of the bank?