Neale Richmond (Dublin Rathdown, Fine Gael) | Oireachtas source

When the Minister says "we are at a moment of change", that leads into my next question and they are all related. No different from any of us as Deputies with constituencies, people continuously contacted my office throughout the summer because they are worried about the pricing on their borrowings - a mortgage, a car loan or anything else - especially in the context of wider concerns about rising energy costs and the entire cost-of-living area. When we engage with the banks and when individuals have engaged with banks, one issue that has come up is the high rate of capital levels that Irish banks have been required to maintain in recent years, compared with European counterparts. Is that an area where we might also be at a point of change?