Susan O'Keeffe (Labour) | Oireachtas source

Sorry, in fairness, Mr. Merriman, you will have read this because you were given the document. She does go on in the next paragraph to say:

In the period from December 2006 to April 2007 I was inundated via email by proposals from EBS senior management on behalf of "developers" for quantities of cash in the tens of millions which appeared to be asset-backed and also to contain personal guarantees. [So, typically] as a member of the credit committee, your approval or lack of it had to be sent ... by email to EBS by close of business the same day or the next day. The rationale was that if EBS did not facilitate the "developer" another bank would and we would simply be losing out on the business.