Ciarán Lynch (Cork South Central, Labour)
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I thank Professor Honohan. I will go over the procedural aspects of this meeting. The parties' lead spokespersons will engage with Professor Honohan for 15 minutes, after which we will move to a second rung of ten minutes and so forth.

I welcome Professor Honohan to this meeting once more. I commend him on the targets that have been put in place. However, the committee has concerns. When Professor Honohan appeared before us on 12 January and answered questions posed by other members and I, he seemed hesitant or reserved on the issuing of targets to the banks. At some point after engaging with us in a robust discussion, he introduced targets. Why did he change his mind?