Mr. Kevin Johnson:

Senator Reilly asked about the amount. If credit unions were to max out on the current permitted limits it would be approximately €800 million. It would be worth exploring how Sparkasse Bank can provide credit at between 1% and 2%. There are various costs in providing credit and all the funding in credit unions comes from savers. One of the main areas of focus for credit unions is to provide a return for hard-pressed savers, whom nobody else looks after at the moment, and it would be interesting to know how we could get a return for savers while meeting statutory levies and, at the same time, provide loans at between 1% and 2%.