Paul Murphy (Dublin South West, Solidarity) | Oireachtas source

We have two possible explanations for this. One is this whole series of happy coincidences that happened to enhance AIB's profitability and other banks' profitability, or the other possibility is that the banks and AIB consciously took the decision to defraud their customers, but AIB expect it to be the first one, that it was just all these coincidences and unforeseen consequences.