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

Before Mr. Sibley comes in, that risk weighting has been shaped by a history of 100% mortgages and a loan-to-income ratio of six. While it is now fundamentally different, we are still attaching a very high risk weighting to new mortgages under entirely different rules.

It seems to me to be a real issue as we are trying to get more competition into the Irish market.