Mr. Gary Tobin:

That review is ongoing and I do not have an exact timeline for when it is due to be published. The background is that certain banks wished to reward their staff by way of bonus at their annual general meetings but the Minister decided to vote against that in certain cases. His view was that, rather than taking an ad hocapproach to the issue, a more considered and critical analysis needed to be carried out on the need for variable pay. One issue which concerns me is that there are relatively low-paid staff in banks who provide front-line customer service but who cannot currently receive any type of performance-related pay. One could argue that it would be positive for customers-----