John McGuinness (Carlow-Kilkenny, Fianna Fail)
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Mr. Kavanagh, we do not want to draw any conclusions in any of this. This was to give witnesses the opportunity to present their cases, which they did very well. It will now be our job, in the banking report we are concluding, to bring some sort of framework to examining all of this. We will do that in the course of our work. That is as much as we can do, to influence policy and influence the policy in relation to the Central Bank of Ireland. Perhaps we can share each of the witnesses’ experiences. We can take the transcript of this meeting and send it to the various named sources the witnesses identified for further comment from them. That is what we are doing here. This is not a court, by any means. It is meant to inform policy and direction. That is the positive contribution that all of the witnesses have made to this meeting. We will take it from here and then we will come back to witnesses after that.

I am obliged to finish the meeting at 2.30 p.m., because of Covid-19 restrictions. I thank all witnesses for their contributions and for coming forward, and particularly Mr. Lawlor, for giving his personal story to us. We will pursue this with the Central Bank of Ireland, Bank of Ireland and indeed, any other entity after we study the transcript of the meeting. My thanks to witnesses and members for their participation in the meeting. The meeting is suspended until 3.15 p.m.