John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

I refer to the answer Professor Black gave earlier to the first question asked by the Chairman about the growth rate in banks' balance sheets. Professor Black spoke about the 25% cap in the United States. Wearing two of his four caps that he mentioned at the start in terms of economics and regulator, what does he believe is the optimal sustainable growth rate for a bank?