Peadar Tóibín (Meath West, Aontú)
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I apologise for interrupting. In Ireland, the system after the last banking crash was built as a two-pillar banking system.

In many ways, creating those two pillars to be so dominant in the market has led to a difficulty in competition for the smaller banks and new entrants to the market will have the same difficulties as KBC has had. Is that not right?