Sean Barrett (Independent) | Oireachtas source

I welcome the visitors this afternoon. I have a few questions, particularly with regard to measures to prevent a recurrence of what has happened since 2008, and indeed the period before. What is the bank's current loan-to-value ratio?

What is the current multiple for loans in terms of the income of the borrower? What percentage of the loan book is in property, compared to what it was at the peak? Does the bank have any policy to orient itself away from property? How does the Central Bank work with the bank in regulating the sector?