Results 11,721-11,740 of 15,555 for speaker:Eoghan Murphy

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: Okay, so when we talk about the different institutions coming before us, there is different ways we can rank them. If we look at the metrics you have given us, you know you could rank them in terms of the par debt transferred, the percentage discount, the percentage of non-performing loans. Do you ... has NAMA ranked the banks in those particular ways in terms of the quality of...

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: And then, in terms of the banks, the feasibility analyses, you said they didn't exist or they were incomplete or they were flawed as to what they were estimating. Did you rank the banks in that way in terms of their practices?

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: Just then, in terms of new debt being issued on the back of old debt, did you ... have you looked at the banks of who was doing more than the other or who was more, say, delinquent in that regard or was, ultimately, more exposed, I am just trying to ... apart from the naked figures that we have which tell us different things depending on what you're looking at whether it's roll-up of interest...

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: Yes, it is page 8.

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: NAMA would pay the participating institutions?

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: Oh, sorry. We are-----

Committee of Inquiry into the Banking Crisis: Nexus Phase (22 Apr 2015)

Eoghan Murphy: It's the dilemma of your job. You can't do the-----

Written Answers — Department of Social Protection: Treatment Benefit Scheme (21 Apr 2015)

Eoghan Murphy: 229. To ask the Minister for Social Protection if consideration is being given to re-instating the optical benefit scheme or the dental health scheme. [15346/15]

Written Answers — Department of Health: Health Insurance Community Rating (21 Apr 2015)

Eoghan Murphy: 524. To ask the Minister for Health if the new lifetime community rating late entry levy will apply to returning emigrants over 35 years of age [15643/15]

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: I welcome Mr. Moran. When Mr. Moran makes a valuation of a commercial property what are the main factors he takes into account, apart from the potential rent that might be earned for the client?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: What is the position on the fee?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: Percentage of value in terms of what?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: That no longer exists.

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: In the one transaction, can one work for both sides?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: When someone pays in excess of the valuation price provided, does it mean the property has been undervalued or that the purchaser is overpaying?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: When did this idea of moving to a fixed fee occur? Is that a recent development?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: Why was there a shift away from percentage of value to a fixed fee?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: Mr. Moran said valuation reports are not forward looking but also said that in 2007 and 2008 he began to advise clients to sell. Was he not doing that based on fear of a future fall in value?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: I seek clarification on this. Mr. Moran referred to a valuation at a particular point in time but he is aware of risks coming down the line. Does that not affect the valuation being set? Does the valuer not have to take that into account in some way, even if it is just looking at future rent yields?

Committee of Inquiry into the Banking Crisis: Context Phase (2 Apr 2015)

Eoghan Murphy: I might come back to that but first I want to consider valuations and the valuer’s relationship to financing, investment and where the money is coming from. Mr. Moran said in page 5 of his submission that, "The practice of borrowers giving personal guarantees to secure debt became increasingly common in 2006 / 2007, and led to significant cross-collaboration of debt". What would his...