Mr. Stephen Mason:

In respect of owner occupier customers on full interest payments, 2,171 accounts were current or in early arrears, 1,406 were greater than 90 days in arrears or were impaired. A total of 3,577 owner occupiers were paying full interest. In respect of reduced repayments, we had 1,653 customers in the current or early arrears book and 1,180 in the default or impaired book for a total of 2,833. In respect of term extensions, 3,366 were in place in the current or early arrears book and 659 were in the default and impaired book for a total of 4,025. For capitalisation of arrears, 915 cases were in the current or early arrears book and 94 were in default, for a total of 1,009. The "other" category is composed largely of a combination of the preceding categories. The Chairman asked specifically about split mortgages. The Central Bank reported 337 split mortgages at the end of June, of which we had 226 or 67%.

In respect of buy-to-let customers, 627 accounts were on full interest payments in the current book and 326 were in the default and impaired book for a total of 953. We had 536 arrangements in place for reduced repayments in the current and early arrears book and 209 in the default book for a total of 745. We had 787 term extensions in the current or early arrears book and 139 in the default book for a total of 926. There were 108 capitalisation of arrears in the current book and 50 in the default book for a total of 158. Again, the "other" category is a combination of the preceding categories which might, for example, involve a term extension and a capitalisation. I will not repeat the figures for the total.