Bernard Durkan (Kildare North, Fine Gael) | Oireachtas source

The credit unions require a greater reserve. Is it possible that might change in the near future in order to address issues in terms of credit that might be necessary given that it has always been the tradition of banks to offer less than the customer required? The logic of that has always escaped me because if business persons are making applications for funding, they obviously have done their accounts properly, they have done their forward planning and they have decided that it requires X amount to do the job that they want. To give them less than that is merely putting a greater strain on them and increasing the possibility of them going under.