Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

Okay. In September 2008, Anglo's loan-to-deposit ratio was 160% up from 125% in September '07. So, as head of corporate and retail treasury during the period '06 towards '08, were you concerned at any time during that period that the growth in customer deposits was not sufficient to fund the growth in the bank's loan book. In other words, there was clearly a growing dependence on wholesale funding as opposed to the bank's deposit base. Was that an issue that concerned you and were you raising that with your superiors?