Mr. Padraic Kissane:

That is the tragedy. When somebody asks how long will this take, the Central Bank says it is waiting on audited reports to come in, which should capture everybody. It should not be taking the bank this length of time to do this. This is a very straightforward argument. If this runs towards the later part of 2017, while I do not know enough about banking results, we can be certain that if the profit figures are looking good, it will move into 2018 because it will suit the banks to bring it into a good year because they are back in profit now. The banks are telling customers they are sorry for the error and mistake but that they are now able to afford to repay them is not acceptable.