Mr. Maurice Crowley:

We gave some thought to how we would organise ourselves before coming in. I do not plan to make an opening statement, and our idea was that, given that representatives of three banks are here today, a witness from each bank could make a short opening statement and be open to questions. I will try to assist the committee in the replies to questions. We asked the representatives of Bank of Ireland to make the first comments, with AIB and Ulster Bank following.