Peadar Tóibín (Meath West, Sinn Fein)
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One question related to the level of refinancing that is taking place. Mr. Trethowan said he does not have a figure in that regard. There is also the issue of the level of refinancing that is not happening. In other words, those who have functional lending with let us say Danske Bank and the lending needs were not met by any other player so therefore their capacity to trade and to provide jobs is reduced.

Another issue relates to the total capacity of lending within the market and the effects of that.