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

That seems very low. Yet Permanent TSB's blended cost of funds is 1.74%. AIB's is about 1.64%, yet it has come up with a net interest margin that is double that of Permanent TSB. AIB's blended cost of funds does not appear to be significantly cheaper. I am wondering why.