Pearse Doherty (Donegal South West, Sinn Fein)
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I welcome Mr. Trethowan. Will he outline what the Credit Review Office does? Many do not know what it does. From my experience of discussing business with SMEs, which is similar to that of Deputy Michael McGrath, people get so weary of the process with the banks that it takes a long time to convince them to lodge an application with the Credit Review Office, of which the State has conducted a review. Will Mr. Trethowan explain the statutory mandate of the Credit Review Office in terms of being able to enforce a settlement on the banks? Also what are the names of the current participant institutions?