Michael McGrath (Cork South Central, Fianna Fail)
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I will be brief. Just a few additional questions, if I may. Under the troika programme, which is now concluded, there was provision for a central credit register, to be established as one of the key reforms in the financial sector. The legislation was passed in 2013 but the roll-out of the central credit register has been delayed. Can Mr. Boucher advise what impact, if any, that has on the bank's operations, its capacity to make lending decisions and its assessment of customers' creditworthiness? Does he have a view on whether it would be helpful if that were introduced?