Anthony Lawlor (Kildare North, Fine Gael)
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I thank the witnesses for coming before the committee. How does the bank deal with young entrepreneurs and those aged under 24? They have difficulties in obtaining credit ratings. Does the bank guide them to other means of finance apart from banking finance? Construction is briefly mentioned in the documentation but it is a very important sector of the Irish economy. It became too important to fail a while back and we are now getting to the stage at which it needs to develop. How does the bank see itself as being proactive in this regard? We need to build a minimum of 25,000 houses a year but the ESRI stated that only 8,000 houses were built last year. There is a deficit in housing in the greater Dublin area at present.