Mr. Brian Goggin:

To the extent that the customer had a need. The driving force for lending demand in the kind of relationships now we are referring to ... these are very sophisticated companies, major Irish quoted companies, public companies ... They might be expanding, they might be investing in plant, they might be making an acquisition. I don't want to mention names but, you know, they're obvious, the ones I am talking about.

I had responsibility in my early years for managing relationships like that, and I would meet with the finance director of those companies on a regular basis and ensure that, you know, Bank of Ireland was meeting the needs ... many of these banks ... many of these companies would have been multi-banked.