Community bankers in the last half of the nineties demonstrated their skill in competing successfully in such markets. Although their deposit patterns have been similar, community and larger banks have seen some interesting differences developing in their portfolios in the past two or three years that are worth noting.
Philip R Lane: Macro-financial risk management Remarks by Mr Philip R Lane, Governor of the Central Bank of Ireland, at the Central Bank Economics Roundtable, Dublin, 5 September 2018. * * *  Introduction In opening our annual economics roundtable, let me focus on macro-financial risk management.