James O'Connor (Cork East, Fianna Fail) | Oireachtas source

I am time-sensitive so I do not want to continue that line of questioning. I will move to my next question. There seems to be a lot of change happening in the banking sector. There are two facets to that. One concerns platforms such as Revolut, to give one example, which are contemplating going into the mortgage market if that is allowed from a regulatory perspective. Does the Department have concerns about the value of that stake and about the Department and the Minister remaining in ownership of such a large percentage of the shareholding when there seems to be such a revolution going on within the finance space, as well as the potential ramifications of that for small banks? Let us be square: the banks in this country are small in comparison to many European counterparts. What risk is there for the value of the stake that the State currently retains?