Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

In the banking sector since the crisis, mortgages have always been the elephant in the room. Where does Mr. Elderfield see that progressing in terms of arrears? Does he believe the banks' provisioning is robust enough in that area? He might refer to individual banks such as AIB, Bank of Ireland and Permanent TSB. Generally, where does he see that market going? What are his views on repossessions and the family home? As public representatives we deal with people every day who are under enormous pressure in terms of mortgages and retaining the family home. That is the next big issue with the insolvency legislation coming on board. How are the banks dealing with that issue? That feeds into recapitalisation.