Pearse Doherty (Donegal, Sinn Fein)
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As to the concentration, Mr. Sibley has provided figures which state that 87% of the market share of SMEs were in three banks. He also referred to this level of concentration and the historic levels of default as being some of the contributory factors for high interest rates for SMEs. In his view, looking at international experiences, what should the market share be for such as these three banks? What type of concentration should we be looking at if we were to have a more normalised banking system here?