Stephen Donnelly (Wicklow, Independent) | Oireachtas source

At AIB, for Mr. Boucher's information, it is the bank. AIB also charges 0% on the split, which makes it something that lowers the total amount to the bank.

Here is my problem. Mr. Boucher stated earlier that Bank of Ireland made many mistakes and these restructured mortgages are those mistakes. We are seeing them and, obviously, there is much more. However, it turns out that in at least 90% of cases - I will bet Mr. Boucher it is 99% - the bank will profit from those mistakes because all of these households will not only repay the bank all of these loans, much of which, Mr. Boucher stated, were mistakes - obviously, the borrower made a mistake in borrowing it but, by God, the bank made a mistake in some of the lending-----