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

I refer to a number of points Mr. Brown made in his presentation. He stated that the bank's level of arrears provision has gone down, which is the opposite of the position in the other institutions that have come before the committee. Will Mr. Brown explain to me the reason that is the case? Mr. Brown spoke about operating in the North and operating in the South.