Paul Gavan (Sinn Fein) | Oireachtas source

I have a follow up question or two. I do not wish to pick on Ms Moloney; it just happens that these are the statistics. I ask her not to take this personally. I see in the statement that Ms Moloney says business lending and business generally is largely relationship driven. That is not my experience from talking to people in small businesses. In my experience, the banks have withdrawn from their relationships significantly. When one hears that 70 branches have closed, it does not suggest the business is relationship-driven. I suspect that it is a lot less relationship driven, in particular in rural locations and often at the expense of rural customers.