Mr. Eoin Dorgan:

On lessons learned, there has been restructuring so that there has been complete change in financial regulation and supervision, both nationally and at EU level. One now sees the use of macroprudential tools and analysis so that banks now must hold higher levels of buffers. The key lesson is the roll-out of bank recovery and resolution plans across all systemic banks so that in future there should be greater protection for taxpayers and bank customers.