Kieran O'Donnell (Fine Gael) | Oireachtas source

I welcome the witnesses to the proceedings.

I have a question for the IFA. We are being told by many business customers that there is constructive non-engagement by the banks in terms of looking at restructuring loans because they have the backstop of selling to the funds. It is a form of moral hazard in its own right. I ask the representatives of the IFA to tell us about farmers' engagement with banks and whether that view of constructive non-engagement is a reality because they effectively have the default position of being able to sell to the vulture funds.