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

On the European Central Bank and banking in general, Ulster Bank Ireland obviously keeps an eye on what goes on in Europe in the context of banking regulation. Do our guests see new European regulation coming in and being layered over domestic regulation? Do they see any difference in approach on the part of the European Central Bank or the policymakers in Europe to do things differently or to impose new regulations? Has Ms Howard seen that develop?