Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

You see the top of page 27. And it's also got a schedule from December 2007 as well, and where it points out specific findings on page 30, for your bank. "However, it appears that no comprehensive review of exposures to a group of connected borrowers is conducted on an annual basis," at point two. And if you go down then as well to M3 at the bottom of page 30, "Inspectors noted that Private Banking, which has responsibility for certain exposures within the [redacted] Group, did not review facilities provided to two of the principals for a period of over seventeen months." How did these ... how were these internal control issues allowed to arise, that the Financial Regulator had to bring them to your attention?