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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: That should establish what will happen. I feel with great certainty that the outcome of that may not be what AIB thinks it will be. What were the words AIB used instead of breach of contract?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: I know why AIB is using the term "service failure". According to contract law, commercial common sense cannot be applied retrospectively but it is a breach of contract when it is outlined explicitly in the contract.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: We will agree to disagree.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: That will be established in the courts. I hope AIB has made provision for that out of the €1.25 billion in profit it made last year. Is it true that AIB's independent redress panel is rejecting all cases where an appeal is based on the issue of prevailing rates?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: On what basis were they rejected?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Will Mr. Kinsella remind me of who the members of the independent redress panel are?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: As such, there is no AIB representative on the redress panel.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: I want to ask about the EBS tied agents. We received a letter from AIB saying the bank cannot furnish us with a copy of the report into the issue of EBS tied agents because of ongoing litigation. When do the witnesses expect the litigation regarding EBS tied agents to conclude?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Who else has seen a copy of that report? Have the tied agents seen a copy of it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Very well. Has the bank ring-fenced any moneys for compensation that may need to be paid out, as happened following the tracker mortgage scandal? That would not presume the outcome.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Is AIB concerned about the reputational damage done to the group by the fact that so many business people felt the need to take action against EBS?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: I very much look forward to the outcome of that case. On fees, AIB's statement of fees tells us that it costs 20 cent to perform a contactless transaction but this fee is waived until further notice. What is the logic of retaining the right to charge this fee but not charging it?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Under the regulations, how much notice would the bank have to give if it was to start charging that fee?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: What percentage of AIB's personal customers have €2,500 in their account for each fee quarter and thus avoid paying fees?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Why are EBS customers treated differently by the bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: Can a customer switch from EBS to AIB services to avail of the cheaper rates?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: I refer to mortgages.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: It would be as though they had come from any other bank. They would get the €2,000.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: It seems quite bizarre that a State-owned bank says it speaks for all its customers but has an arbitrary difference in rates for some customers.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector: Allied Irish Banks (11 Apr 2019)

Rose Conway Walsh: As such, AIB is doing it for the good of its customers. The bank is putting its customers first in this instance.

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