John Deasy (Waterford, Fine Gael) | Oireachtas source

I am seeking some leeway. Perhaps the Department might give those with expertise in this area a chance to make an input before a decision is made. I am aware that once the consultant's report is finalised, the Department will have to go through the EU approval process and then take another look at it before the commencement order is signed. I am slightly concerned that if definitions are tightly written, this may not have the impact necessary.

I read recently that deposits in Irish banks in 2012 had reduced by approximately 13%. Is that Mr. Moran's understanding?