Brian Lenihan Jnr (Dublin West, Fianna Fail)

Since last April, the trend in mortgage arrears has shown consistent improvement. This does not mean we do not have the important issue of home repossessions to address, but we have put measures in place to deal with the issue and have applied the regulator's guidelines to all financial institutions. We are committed to improvements in the programme for Government. We have a new regulator who is an excellent appointment and whose appointment has been welcomed all over the world.

If Opposition Members try to bring down institutions all the time, they will not solve problems. I know they want to bring down this institution, but bringing down institutions will not solve all our problems.