Rose Conway Walsh (Sinn Fein) | Oireachtas source

It seems like many individuals within the banking system have many places to hide. The banks themselves have many places to hide because we do not get the information about individual banks.

The report on the culture is quite shocking. I would ask the Central Bank representatives whether they themselves thought it was shocking. It is shocking to think that there are executives within the banking system who are paid hundreds of thousands of euro, and there are banks making billions of euro, and up to all of this - this is why it is connected with the tracker mortgage - reckless business behaviour. They do not even have clear lines of responsibility. We are talking about clear lines of responsibility; we are not talking about a crèche, a naíonra or a voluntary organisation. We are talking about significant organisations. It speaks of a toxic culture where nobody knew who was doing what or who was responsible for anything. It is bizarre to read a report such as this of the culture in them.

The language used in the report does a disservice to those who have been most impacted by the toxic behaviour and the lack of any type of management skills, even the most basic aspects such as knowing who is responsible for what within an organisation.