Paul McAuliffe (Dublin North West, Fianna Fail) | Oireachtas source

I will return to the issue of the pillar banks. Like other Deputies, I have been receiving comments that the approval process with the pillar banks has been very slow. There is also the communications element. People or small businesses that do not have a relationship are dealing with call centre staff, some of whom do not have the professional diploma in financial advice qualifications, and they are simply not being advised that the SBCI is available. That is either a deliberate action on the part of the banks to avoid it, or it is being done because there is not the correct structure. Will Mr. Black comment on that?

Second, there are the arrangement fees that are being applied to the loans by Ulster Bank and AIB. Has there been any guidance or discussion on that? It appears to add additional cost to a Government-backed loan.