Senators are aware that the Competition Authority is also involved in studies of the insurance and banking areas, the former in conjunction with my Department. This is a study of competition issues in the non-life insurance market, with particular reference to motor insurance, employer's liability and public liability. It arises from the report of the Motor Insurance Advisory Board. It is intended that most of the work on this study will be completed in 2003. The study of competition in the provision of banking services – excluding investment banking – will identity barriers to entry into non-investment banking in the State. It will also identify and analyse industry practices, legislation and/or administrative practices in non-investment banking in the State that limit the degree of rivalry on the market to the detriment of consumers. It is intended that this study will also be completed in 2003.