Mr. John Trethowan:

The banks are working hard to upskill the younger staff. Over the past four months, they have introduced a lecture on SME lending in a course at the Institute of Bankers in Ireland. It is a four-day course, which is long, and deals with the hotels, hospitality and property sectors in depth. The institute is doing good things on education, from SME lenders to bank directors. The closest we get to going further and intervening, as Deputy Mathews suggests, is in the Grant Thornton report, which suggests we could audit the internal bank appeals. There could be legislative issues because of customer confidentiality. If people have not requested us to intervene on their behalf and review the lending file or application, the bank could say that we should not do so. We may need an order.