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

Ms Howard is in the wrong room. She should be in the Dáil Chamber because she has given a political response. I ask her to go back to it again. What differences did she find between the culture here that led us into the crash and the tracker mortgage issue, and where she came from in the UK?

It is clear that customers were robbed by the banks, not just Ulster Bank but others as well. The banks are just giving their customers' money back to them, and a lot of banks make a big song and dance about doing that, as if it were a good news story. It is not, because the banks are just returning the money that was stolen from their customers. The people do not have trust in the banks, and they are waiting for a banker who will give a straight answer to a question. Did Ms Howard find a rotten culture here that she could describe by comparison to the UK, or is it the same?