Paul Coghlan (Fine Gael) | Oireachtas source

I will be brief. I salute the good job done and the beneficial impact Mr. Trethowan and his office are having. I salute his good prudential approach and am aware of his former record as a banker. He has brought about better practice within the banks. Does he accept their practice is improving? We all accept there is lack of demand and competition. Mr. Trethowan mentioned the "wearisome" process which may explain why people do not bother to attend, in some instances. However, concerning the 55% of bank decisions he has overturned what is his trump card? How does he see the mix as between track record, known history, the business plan offered and security?