Mr. John Moran:

Either Ms Nolan or I will attend those meetings. After those meetings, we then have individual departmental challenge meetings at which we examine the information provided by the banks and, in effect, we engage in a peer challenge process to determine whether we believe they are performing well enough. We also make suggestions. In the interim, numerous meetings take place at all levels with officials, both officials from the SMU and those people in the banking policy section who are dealing with SME lending and mortgage arrears, for example. They are dealing with them on a system basis and they would have meetings with the management of AIB, for example, as they would have meetings with the management of Ulster Bank and others.