Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I mentioned the 13% and 17% given that the witnesses provided it to us in the information. The bank was entitled to 15% loan to value exemptions and 20% on the loan to income. However, the bank finished with 17% in the scope period. Are we to read from this that nobody who applied to the bank was deemed affordable but could not get the lending because of the rules? Was this was the maximum number of people who applied to the bank, passed the affordability criteria and on whom the rules did not impact? Sorry, maybe I am not articulating it well.