John McGuinness (Carlow-Kilkenny, Fianna Fail)
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I welcome the members and the witnesses. We are joined today by Mr. Eamonn Crowley, CEO of Permanent TSB, Mr. Patrick Farrell, director of retail at Permanent TSB, and Mr. Kevin Hewston, interim chief operations officer with Permanent TSB. We will hear an opening statement from Mr. Crowley and then we will engage with the members on whatever questions they may have for the witnesses.

Members are reminded of the long-standing parliamentary practice to the effect that they should not comment on, criticise or make charges against a person outside the Houses or an official, either by name or in such a way as to make him or her identifiable. I remind members of the constitutional requirement that they must be physically present, either here or in the Convention Centre Dublin, for these meetings. In the context of privilege, those members who are in the Convention Centre Dublin or in Leinster House have privilege, and those who are not may not have full privilege.

I invite Mr. Crowley to make his opening remarks.