Michael McGrath (Cork South Central, Fianna Fail)
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My next question is for Mr. Fielding. Has ISME looked at how we compare with other countries in terms of the banking fees charged to SMEs? Is there any real competition? If an SME that has a good record with its bank wants to move, there are only a small number of potential banks to which it can move. Is that happening and, if so, are SMEs getting more favourable terms with the bank to which they are moving? Is it a case that the banks do not want to hear about this?