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Homeless Prevention Bill 2020: Second Stage [Private Members] (15 Dec 2020)

Peadar Tóibín: I understand that, but this practice has been repeated by Governments and Ministers regularly. At the start of this Dáil the Government introduced a process whereby Opposition Deputies were made to slide down the pecking order when it came to an opportunity to speak in order that the Government could put its Deputies up first. That means that the Minister is not around to listen to...

Written Answers — Department of Education and Skills: Covid-19 Pandemic (15 Dec 2020)

Peadar Tóibín: 76. To ask the Minister for Education and Skills when universities and colleges will be permitted to reopen. [43308/20]

Written Answers — Department of Education and Skills: Student Universal Support Ireland (15 Dec 2020)

Peadar Tóibín: 74. To ask the Minister for Education and Skills the number of students who were initially awarded SUSI grants that have since had the grants withdrawn from them by SUSI. [43307/20]

Written Answers — Department of Trade, Enterprise and Employment: IDA Ireland (15 Dec 2020)

Peadar Tóibín: 126. To ask the Minister for Trade, Enterprise and Employment the current status of a skills audit by the IDA for County Laois; the results of same; and if he will make a statement on the matter. [42948/20]

Written Answers — Department of Trade, Enterprise and Employment: IDA Ireland (15 Dec 2020)

Peadar Tóibín: 127. To ask the Minister for Trade, Enterprise and Employment the number of visits the IDA has carried out in each county in each of the past five years in counties Laois, Offaly and Westmeath in tabular form; and if he will make a statement on the matter. [42949/20]

Written Answers — Department of Trade, Enterprise and Employment: IDA Ireland (15 Dec 2020)

Peadar Tóibín: 128. To ask the Minister for Trade, Enterprise and Employment the number of jobs sponsored by the IDA in each county in each of the past five years in counties Laois, Offaly and Westmeath in tabular form; and if he will make a statement on the matter. [42950/20]

Written Answers — Department of Trade, Enterprise and Employment: IDA Ireland (15 Dec 2020)

Peadar Tóibín: 129. To ask the Minister for Trade, Enterprise and Employment the amount the IDA has invested in job creation in each county in each of the past five years in counties Laois, Offaly and Westmeath in tabular form; and if he will make a statement on the matter. [42951/20]

Written Answers — Department of Trade, Enterprise and Employment: IDA Ireland (15 Dec 2020)

Peadar Tóibín: 130. To ask the Minister for Trade, Enterprise and Employment the number of meetings the IDA has held with elected members of Dáil Éireann in each county in each of the past five years from counties Laois, Offaly and Westmeath in tabular form. [42952/20]

Written Answers — Department of Education and Skills: Special Educational Needs (15 Dec 2020)

Peadar Tóibín: 319. To ask the Minister for Education and Skills when approved funding for assistive technology for a student (details supplied) will be made available. [42862/20]

Written Answers — Department of Health: Dental Services (15 Dec 2020)

Peadar Tóibín: 507. To ask the Minister for Health the current waiting time for appointments, and the number waiting for appointments, for HSE child dental services in County Laois; and the action he is taking to address the backlog due to Covid-19. [42955/20]

Written Answers — Department of Health: Dental Services (15 Dec 2020)

Peadar Tóibín: 508. To ask the Minister for Health the current waiting time for appointments and the numbers waiting for appointments for HSE child dental services in County Meath; and the action he is taking to address the backlog due to Covid-19. [42956/20]

Written Answers — Department of Health: Mental Health Services (15 Dec 2020)

Peadar Tóibín: 558. To ask the Minister for Health when a full-time child psychiatrist will be assigned to Limerick in addition to the one who travels from Dublin a couple of times a month. [43249/20]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: I was taken by Mr. Sibley's statement that Ireland's banking market is somewhat concentrated. Would it not be fair to say the Irish banking market is an oligopoly, or very concentrated?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: In other words, if one were to design a banking market, it would not at all be our banking market. Our banking market shows enormous supplier power. The banks exert far more power than they normally would if there were healthier competition within the market. We have two pillar banks, in the words of the Government, and they have about 80% of the market. Instead of seeing that much...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: Would it be fair to say that the fact that banks in this country enjoy profits that are tax-free is also a barrier to entry? For example, Permanent TSB will not pay any taxes until 2038. AIB will not pay any taxes on its profits until 2037. If I were a European company coming into a market and was competing with companies that were not paying tax on their profits, would that be a barrier...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: If I were operating in any other market and my competitors were not paying any tax, that would have an effect on my ability to compete with them.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: Mr. Sibley mentioned the entry of European competitors into the Irish market, which would be fantastically welcome. However, the three potential blocs within the financial system that could operate in competition more directly with the banks are An Post, a public banking system and even the credit union system. The barrier to those who wish to enter this market is, therefore, Government...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: Is there any understanding of the volume of that lending?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: Sometimes the market structure in Ireland is the elephant in the room in that we talk so much about everything else. Mario Draghi said in 2018, I think, that the mortgage market in Ireland operates as a de facto monopoly. That was the language he used. There is no doubt but that a de facto monopoly hurts consumers significantly. That is the nature of monopolies. I will change tack. It...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Banking Issues in Ireland: Central Bank (15 Dec 2020)

Peadar Tóibín: Can we, as a committee, receive the up-to-date information on volumes so we can assess if there has been a change in behaviour?

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