Mr. Shane Kavanagh:

The evidence suggests otherwise. I have written documentation showing where I was instructed to "do whatever it takes" in the words of the EBS. What does that mean? It did not matter what we did, we just had to get our sales. Our remuneration was on the basis that it was "critical to achieve all targets". In other words, if we did not achieve the targets then our remuneration would be reduced. Essentially, we would argue that it was a case of either turn a blind eye and do what we had to do or challenge management on this and ask what was in the best interests of the customer? Were we looking after the bank's balance sheet or doing what we were supposed to be doing, which was looking after the customer?

I have given the committee plenty of documentary evidence but I can provide it again.