Michael McGrath (Cork South Central, Fianna Fail)
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In light of what Mr. Bell has said, does the bank have individual cases on its books where it has ended up issuing a threatening legal letter or ended up taking them to court because of the pressure to meet certain targets as issued by the Central Bank? In a sense, Mr. Bell is blaming the Central Bank targets for these outcomes because Ulster Bank has been under pressure to meet targets and avoid stringent financial penalties. That seems to be what Mr. Bell is saying.