Tom Barry (Cork East, Fine Gael) | Oireachtas source

Okay. With regard to restructuring, and I am sure the bank has many customers who would be in the pre-arrears category as opposed to the arrears category that we are considering. I am surprised to note that with respect to the bank's split mortgage product - which is a something that would have been recommended under the Keane report where a borrower would park a percentage of the mortgage, pay what they can and address the balance afterwards - that it has zero in the long term and very small numbers in any event.