Mr. Gerard McConville:

From a manger's point of view, while regulation in this area is strict and almost all good, we do not believe we are being allowed to do the things that we want and need to do. SME lending is a part of that. We are tying to align the regulation with the opportunities available for credit unions. If we are going to be treated as professional organisations then we need to be able to do the same things as other financial institutions.