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

Well in ... Mr. O'Reilly, in the three subsequent years private sector credit increased by over 30%. Can you explain for the inquiry how, when the organisation that you were chief executive of - in an annual report - had made this ... raised this concern in 2003, that not only does it appear no action was taken to remedy the situation but that the ... the situation got worse to the tune of over 30% in the subsequent three years?