Aodhán Ó Ríordáin (Dublin North Central, Labour) | Oireachtas source

On strategic defaulters, it is a little like when people talk about social welfare where the word "fraud" is always included. Sometimes I wonder whether this is part of the policy in the banking system where the banks talk about defaulters, the word "strategic" gets in there and, before one knows it, that seems to be all we talk about. I am not necessarily suggesting that the Ulster Bank representatives are doing that. Those are merely my own thoughts.

AIB's representatives told the committee that they felt 20% of those with distressed mortgages were strategic defaulters. I apologise if Mr. Brown has already answered this question. Would the position be similar at Ulster Bank? Did Mr. Brown give a different figure?