Q & A

Daily MailDecember 15, 2008

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Q.What does recapitalisation entail? A. Financial institutions need to have ownership capital in place as a backing for their various dealings. Usually they are able to finance all of their lending from customer deposits or by borrowing from other banks while the risk capital,provided by shareholders,provides a buffer against major losses. In the current climate the Irish banks are deemed not to have an adequate buffer against the losses they could face on their propertyloans. So they need to raise extra money from shareholdersinsome form or other.

Q.Who is going to invest? A.The Government,existingshareholdersand new private investorsare expectedtoput in up to EUR 10billion, according to the Government's statement. Private investors known to be interested include the investment funds that already have major shareholdings in Irish companies and also a number of international private equity funds.

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Q & A

Q.Just how much is EUR 10billion? A. About EUR 2,500 per head of...

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