Susan O'Keeffe (Labour)
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That will always be in the cycle of banks.

In respect of the banks that reduced their loan loss provision themselves, and Professor Walsh refers to this when he says provision for loan losses declined from 0.7% of loans to 0.5% of loans, would the banks know they were doing that, or did it happen accidentally? Would they be obliged to tell the Central Bank they had done that or would the Central Bank have discovered it from their accounts?