Results 8,341-8,360 of 26,043 for speaker:Kieran O'Donnell
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: What time did you go home at?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Thank you, Chairman. Mr. Duffy, can I just ... what have AIB learned from the crisis in terms of the banking model and in terms of their behaviour with customers?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: And how do you reconcile that with the view amongst many of the general public that banks will revert to being banks and that, effectively, that people got into large mortgage arrears, with mortgages in some cases they feel they should probably have not been extended by the bank? How do you get to that point where people will have faith in the way banks operate, when banks are now beginning...
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Yes, your view on that?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: And in terms of ... you've spoken about governance, are there any set of circumstances where the crisis that happened in terms of the Irish taxpayer picking up €64 billion for the banking system, that we could find ourselves in that position again into the future?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: And going back, we'll say, over the years where you had this rapid growth in loans with property loans with AIB in construction, between '04 and, we'll say, '08, where it went from being, as a percentage of the loan book overall, from being 25% in '04 up to 37% in '08, what do you regard as a sustainable level of a property and construction being as a percentage of the overall loan book? I...
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: I'll put it this way to you. I suppose the point is, do you view that the level of the percentage of the loan book being property and construction being at 25%, '04, rising to 37% in '08, was too big of a risk factor?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: But you're a professional banker-----
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Have ye put ... in terms of looking at your business model into the future or currently, you must have put a benchmark level at which the percentage of the entire loan book that property and construction can take.
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: And what ... are we talking single digit figures, are we talking-----
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Can I talk about, because ultimately we are here, in terms with AIB, the fact that there's over €20 billion of taxpayers' money has gone into AIB to save that bank; where do you see the ... into the future, the date deadlines in terms of the taxpayer getting back, or the Irish citizen getting back, the €20 billion plus they've put into AIB? Over what timeframe do you see that?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Is the bank in ... in terms of the financial well-being of the bank at the moment. What's generated the perceptions of the markets in terms of ... the type time of timescale that would ... is AIB in the position at the moment financially that ... you could do a large flotation on the market?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: Yes. Given the parameters-----
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: ... getting the taxpayers' money back...
- Committee of Inquiry into the Banking Crisis: Nexus Phase (29 Apr 2015)
Kieran O'Donnell: And in terms of your ... I suppose international experience ... do you believe in terms of the structure of the guarantee ... I suppose two very quick questions. Do you believe that AIB would have survived without the guarantee? And do you believe that if burden-sharing had been a feature in terms of the construct of the guarantee, what impact would that have had on AIB?
- Committee of Inquiry into the Banking Crisis: Nexus Phase (30 Apr 2015)
Kieran O'Donnell: Thank you, Chairman, and welcome, Mr. Goggin. Mr. Goggin, could I direct you to document B5, Vol. 1 and this document basically-----
- Committee of Inquiry into the Banking Crisis: Nexus Phase (30 Apr 2015)
Kieran O'Donnell: Vol. 1.
- Committee of Inquiry into the Banking Crisis: Nexus Phase (30 Apr 2015)
Kieran O'Donnell: B5
- Committee of Inquiry into the Banking Crisis: Nexus Phase (30 Apr 2015)
Kieran O'Donnell: Page 3. Now, this document deals with-----
- Committee of Inquiry into the Banking Crisis: Nexus Phase (30 Apr 2015)
Kieran O'Donnell: Yes.