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Seanad: Central Bank (National Claims Information Database) Bill 2018: Second Stage (12 Dec 2018)

Kieran O'Donnell: Next Tuesday.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: I welcome Mr. Masding, Mr. Ryan and their colleagues. I wish to speak about Glenbeigh and its structure in the prospectus. Is it an Irish-registered entity? Who are the shareholders? How does the board work? What rate of return was it offering to potential investors? Why has Permanent TSB retained the 5% rate? I am trying to find out why this was set up and how it works. In the event...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: What is the term of the bonds under the prospectus?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: In regard to the securitisation and the bonds, are they of varying duration or are they all of similar duration?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: I need Mr. Crowley to help me to understand how Permanent TSB has structured this so the funding that is being provided to the vehicle is long-term in nature. We do not want a situation where Glenbeigh bondholders turn around and say, "We want our money back tomorrow", and suddenly the whole issue of setting up something as a long-term vehicle does not hold water. I need Mr. Crowley to help...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: I am dealing purely with the money provided to Glenbeigh. The year 2057 is almost 40 years away. What is the minimum duration of a bond under the prospectus?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: How much in total is Glenbeigh raising by way of bonds?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Will Mr. Crowley give me a breakdown of when the six-year loans have to be repaid? What percentage are six-year bonds?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: I accept that. Legally, the minimum duration of a bond is six years.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: What percentage of the €900 million is six-year bonds? Can Mr. Crowley give me a breakdown as to whether, say, half of it is a bond that matures in 20 years? I need to get a handle on that.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Mr. Crowley has not answered my question. Legally, I am interested in matching long-term funding with long-term loans.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Is there a minimum maturity date?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Could the bondholders turn around in six years time and say they want their money back?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Could the bondholders who provide the €900 million come along in six years time and say, "We want repayment of our €900 million today"? I want a "Yes" or "No" answer.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Mr. Crowley is saying the minimum period they can be repaid in is six years. Who does control lie with to determine over what period they can be repaid? It is a very straightforward question. Mr. Crowley is saying they can be repaid-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: With regard to Pepper, we have a vehicle whereby €900 million is raised. That is then with Glenbeigh and it uses that to purchase the loans from Permanent TSB.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Effectively, the bonds can then be traded - they are marketable securities.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: No. Effectively, Glenbeigh itself-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: The money is there.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Sale of Permanent TSB Mortgage Loans: Discussion (6 Dec 2018)

Kieran O'Donnell: Why is Permanent TSB retaining 5%?

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