Mr. Richie Boucher:

We also have bespoke arrangements with individual customers. We try to deal with each customer's circumstances individually. We try to give as much disclosure as we can. We also have to be able to do it to a verifiable accurate statement for our financial statements. The Deputy asked how many residential mortgages were in arrears of 90 days or more. We disclosed in our accounts that the figure for owner-occupied mortgages 90 days-plus past due and-or impaired is €1.9 billion at 30 June.