Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

The ratio is 159% at the end of September 2008. I understand it had gone to a high of 176%. Now, can I ask you, why do you believe the loan-to-deposit ratio went so high, and was it too high in your view and what would you regard as an optimal loan-to-deposit ratio for a bank of your size?