Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

The witness reached that conclusion in his mind but indicated that process was "still too slow", although "momentum is building". He has given a pretty strong defence of the bank's approach while criticising their inaction in the past and repeating some criticism about the slow speed of the process. In general, he is giving a pretty strong defence of the banks' approach. At least, that is my interpretation of what he has said.