Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

Taking matters a little bit back on track with you before we go back on the break there Mr. Forde, I am just delving into kind of ... just certain operations in the bank with regard to risk. And in ... the reference document for this is going to come on screen in a moment. It's AIB, Vol. 2, pages 13 and then 21. They are appropriate to staffing and training and so forth. But, in a group internal audit, a GIA report dated April 2006, concern was then being expressed that the experience levels of staff in the Republic of Ireland division - the division you headed up - would not be sufficient to manage cases through the cycle and this could lead to the bank missing significant credit events on accounts. Now, this is as things are really heating up ... it's two years out from the guarantee but we can see that the loans into different sectors are happening in particular ways. What I want to deal with you here is how ... or did management understand the importance of maintaining a balance between staff with good credit experience and more junior, more sales orientated personnel? In particular, I suppose what I am dealing with is that staffing and appropriate lending skills ... set ... these sets ... or the skillsets ...seem ... appear to have been an issue across the Irish banking industry, particularly in the mid 2000s. Were you, or how aware were you, of this problem?