Mr. Liam O'Reilly:

When I was in the Central Bank first, I would have been dealing with them, first of all, in relation to money market operations - I was operating markets - and also in the foreign exchange area. And I found that the relationship was professional and there were pressures from day to day. I was around during the currency crisis. You can imagine what sort of, if you like, frenzy there would have been around that period. My interaction with them during the time when I was in a regulatory position, I didn't ... I didn't notice any difference there at that time. There were issues that were arising, like the Ansbacher issues, like ICI in 1986, like the Rusnak issue. And these sort of issues, I think, had a wake-up call for most of the institutions. In ... AIB, for instance, would have been one of those. And there was a whole range of changes to corporate culture. And I remember, particularly when we were involved in the overcharging issue and the issues of inappropriate deal allocations, that there was a whole programme of work that we required within AIB to improve that sort of culture.