Ms Anne Marie McKiernan:

I thank Deputy McGrath. I share his view on the criticality of the credit union sector as we see it. We aim, in all of our engagements and work, to support a thriving credit union sector in Ireland for the future so that it can continue to do what it has done over the past 50 years in serving communities and members so positively. I thank the Deputy for acknowledging that there is more the sector can do around business model development and that we are working as proactively as we can while also recognising that it is the sector's responsibility to devise its own business model. They can count on the Central Bank to give all the support that is appropriate on how they do that, while we also review all of those aims to ensure that they are best able to protect members' funds and the future viability of the sector. It behoves all of us to ensure that whatever development comes does not destabilise either individual credit unions or members' funds. Obviously, we will stay tuned to how we can best do that in multivaried ways.