Michael D'Arcy (Fine Gael) | Oireachtas source

Banks were under increasing pressure due to the competition within the banks to offer incentives, such as non-recourse loans, interest-only roll-up, lower interest rate margins, interest holidays and the like. In your experience, were such practices common among Irish banks? And if they were, did the situation differ between Irish banks and banks, non-Irish banks, banks from outside of the jurisdiction?