Moreover, small banks below some threshold might have the option to be evaluated under the existing methodology. -6-  Third, separate retail and community development tests provide greater scope to calibrate the evaluation metrics to the opportunities available in the market, which can differ for retail lending and community development financing.
17 https://www.centralbank.ie/news/article/speeche-risks-resilience-and-policy-responses-to-covid-19-sharon-donnery-17-jun-20  2/7  11/02/2021  Risks, Resilience and Policy Responses to COVID-19 - Deputy Governor Sharon Donnery  Our open economy is more sensitive to global developments.18 The smooth functioning of global value chains, the health of the US economy and the presence of multinational enterprises (MNEs) in Ireland are all factors that affect Irish output and household incomes.