Peter Mathews (Dublin South, Independent) | Oireachtas source

I have some final questions. What is the bank's credit committee structure for deciding policies, and what directors arrive at a policy of having no write-offs or write-downs? It is disgraceful because the banks collectively caused the bubble. We must remember the figures. There was a 173% weighted average loan-to-deposit ratio, which is 83% above the 90% norm over six years. That is 92% of the asset price bubble.