Pearse Doherty (Donegal, Sinn Fein)
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The Government in its report has strongly argued against a second tier Sparkassen model and that the banks of recovered SMEs are receiving the credit. Is Mr. Sibley suggesting to this committee that it is not as plain sailing as that, there are high levels of concentration and there is still some demand that is not being met? Is that an accurate reflection on where the Central Bank is as opposed to the Department of Finance?