Sean Barrett (Independent) | Oireachtas source

Thank you, Chairman, and welcome to Mr. Buti and his colleagues back again. In the European Commission's ex post valuation of Ireland's bailout programme, it stated that the Irish banking sector has been relatively slow to return to profitability, and in the Commission's post-programme surveillance report of spring 2015, reference is made to the low amount of SME financing. In your assessment, has Ireland's banking sector become too risk averse, given complaints by SMEs and particular difficulties in accessing credit?