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

Can I start by just going back to the issue of tracker mortgages? And I know you weren't on the banking side, as group treasurer, but in terms of interest rate risk, were you aware of the extent of the tracker mortgage interest rate risk and was this issue ever discussed at board level, to your knowledge? And I know you weren't on the board, but can you just discuss that?