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

I apologise for being late but I was detained at another meeting. Who drives the task of changing that culture in the bank? Who does Mr. Cross see as driving that culture change? There can be all the reform one likes on paper, but if there is not someone to drive the reform or, in the Central Bank's case, to drive the change of culture, it will go nowhere. How committed will the Central Bank be to that change that is needed? How committed does Mr. Cross believe the banks are to that change?