Mr. John Moran:

I will not pick a number. I have told the Deputy what has happened in other jurisdictions and maybe we might move to those figures. We have had as severe a crisis as anyone else. What we are still missing - the Central Bank may have a better focus on this - is the individual breakdown per customer. That is what is required to answer the question the Deputy posed because we need to know what the position is for each individual borrower because this is a situation where there is no magic wand or which does not have a one-size-fits-all solution. Until such time as one can get the SFS from every customer, including those not currently engaging with their banks to produce it, it is impossible to predict where repossession or surrender should take place.