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

I welcome the representatives of PTSB, Mr. Eamonn Crowley and Mr. Patrick Farrell, along with their colleague in the Gallery, to our third session.

I ask that mobile phones be switched off. I draw the attention of witnesses and Members to the fact that the evidence they give to the committee is covered by privilege. If they are on the Leinster House campus, they have full privilege. However, they do not have full privilege if they are outside the campus. They are reminded of the long-standing practice that they should not criticise or make charges against any person or entity by name or in such a way as to make him, her or it identifiable. If they observe that, we may continue through the meeting.

I call on Mr. Crowley to make his opening statement.