Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

The witness made no criticism in his opening remarks of the mix of solutions offered by the banks. Considering the latest official data for the end of June, we are still not seeing long-term forbearance measures coming through in any significant way. There is no real sign of split mortgages, permanent interest rate reductions or debt-for-equity processes. Is the witness satisfied that the mix of solutions being offered is correct, or is it still skewed in favour of short-term measures, as evidenced by the number of cases involving interest-only payments, arrears capitalisation, payment moratoriums, etc.? That is what we see.