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

Bank of Ireland is the last institution to attend here. We have not seen some of the others. Perhaps the Chairman will decide whether we need to examine this.

A common feature among the institutions is that a large number of the solutions to mortgage arrears are legally based. I took a quick look through the bank's figures because I wanted to be certain that I am operating on the correct basis. For home loans, out of 11,054 cases that are in arrears for more than 90 days, there were 3,942 non-legal solutions and 3,478 legal solutions, which represents 47% of the entire 7,420 so-called solutions provided. For buy-to-lets the bank has 5,638 mortgages that are in arrears for more than 90 days, with 907 of them, or 27%, receiving non-legal solutions, and 2,368, or 72%, on the legal side. For combined measures, 4,849 cases had a non-legal solution and 5,846 had a legal solution, which equates to 45% non-legal and 55% legal solutions. Can Mr. Boucher tell me if that is a sustainable model for dealing with the mortgage arrears crisis?

I read down through the figures and the most obvious item was the fact that there are only 81 split mortgages in the home loan sector and 17 in the buy-to-let sector. Permanent TSB has a large share of split mortgages. I ask Mr. Boucher to address my point. Did he understand the point I made?