Dara Calleary (Mayo, Fianna Fail)
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On that point, I had discussions with the Minister's officials. Let us take the example of a bank that is in the market and selling a portfolio of loans and a customer who is responsible for a loan and trying to obtain finance from another bank but cannot get it.

The bank is staying in the market. It is cleaning up its loans and clearing out underperforming loans but the customer's loan is the kind that seems to be falling between the cracks on this. The bank is not actually exiting the market but it is selling off its loan book.