Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I welcome Ms McDonagh and her colleagues. I will start by asking for the witnesses' perspectives on the housing market and what Bank of Ireland's expectations and forecasts are on housing because it has quite a good overview of the market, is dealing with builders and developers on the supply side and dealing with home buyers. We have seen significant house price growth in recent times, so what is Bank of Ireland's assessment of where the property market is going on the residential side?