Stephen Donnelly (Wicklow, Independent) | Oireachtas source

The Central Bank requires a commercial justification. There is only one justification, the return on invested capital, which is the only game in town. The margin on the amount of money lent is the return on invested capital. If the team at the Central Bank is not looking at the return on invested capital, how is it determining there is a reasonable commercial case to be made for the moneylenders?