Mr. Tim Molan:

The figures were quite interesting. My colleague said there were 286 credit unions left in the Republic of Ireland but there are well over 400 branches in communities so there is a ready-made infrastructure. They are the last financial institutions standing for many in our communities. We have been criticised for lending only 20% or 25% of what we could lend, but that is because we provide a savings a facility to members in all the communities to which I referred.