Mr. Gabriel Makhlouf:

I agree with the Deputy. Banks should not have an indiscriminate policy. They should look at individuals on a case-by-case basis. They are required under European law to assess the creditworthiness of their potential borrowers. The issue of whether they are receiving income support is just one of the factors. I completely agree with the Deputy that it should not be decisive or determinative. Banks should look at the individual potential borrower, the applicant, in making a considered judgment.