(h)  Human resource development:  I wish to thank all the Chief Executives of banks who have put in place transparent and merit based system of recruitment of entry-level bankers. The next step in this value chain of human resource development is the continuing education, training, testing and progression of in-service employees and identification of future managers of the financial industry.
A full account of the government finances is not complete in Ireland without considering the banks. Over the past year or more there has been intense interest in figuring out what will be the total cost of the losses incurred in the property bubble.