Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

We need a proper banking system. No one denies that. I welcome the fact that the witnesses have brought the bank back to profitability, but the balance is our getting a return on our money. The bank is worth half its peak value, although peak values were out of control at every level. Like any institution, the bank probably has projections for the next five years. How does AIB project it will perform and how will its market valuation progress over that period? The witnesses referred to capital structures and the European Investment Bank, EIB. The third element is how AIB will do in future. It is a question of timing. Clearly, the bank does not want the taxpayer getting less of a return on the investment in two or three years' time were the bank allowed to proceed to trade. Mr. Duffy is in the hot seat and has access to information within the bank. Where will AIB go in the next five years?