Dara Murphy (Cork North Central, Fine Gael) | Oireachtas source

I thank the delegates for the time and attention they have given to this meeting and the candid nature of their answers. Is AIB outsourcing any of its debt collection function to agencies in respect of leasing loans, credit card debt or anything else, or is it retaining all debt collection activities in house? My second question relates to the lower interest rate the bank is charging new business customers as compared with existing customers. I appreciate that this is an industry practice rather than being specific to AIB, but in the current climate it is very difficult for business owners to shop around. If they have a good relationship with their bank, most business owners will stick with it. Yet they are seeing new business customers being given a lower interest rate. Will the delegates comment on that?

What is the delegates' view on the concept of 50-year mortgages, similar to products available on the Continent, and how they might work in an Irish context, particularly for people who have very large debt or substantial negative equity? Finally, a suggestion currently being floated-----