John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

And at a higher interest rate. If one goes to the bank now, if one has ever had any sort of blip in one's credit position one will not get money anywhere except on a market where one is paying massive interest rates. That is why the concept of a community bank or a credit union to examine a local application, or an application from a local business or whatever it might be, is hugely attractive because SMES find it simply impossible to trade at a micro level. Also, banks make it even more impossible by selling off one's overdraft. I know that Mr. Sibley must catch a flight.