Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Thanks, Chairman. Welcome, Mr. Fitzgerald.

In September 2008, Anglo's - and I'm referencing Vol. 2, page 33, its board's presentation and strategic options - and in September '08 Anglo's loan-to-deposit ratio was 160%. That's up from 125% in September 2007. That's roughly a year. Did you regard Anglo's increasing dependence on wholesale funding as a risk to the bank and would you've ever raised these concerns with other members of the senior management team?