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

To pick up from Deputy Pearse Doherty's questions, the Central Bank published a report on influences on variable rate mortgage pricing in 2015. The bank has provided its report to us and it shows the cost of funds at 41 basis points. There other elements that go into mortgage pricing. That report went through the cost of capital, the cost of credit risk and the operating costs of running the bank, in addition to the cost of funds. We have a figure for the cost of funds. It is a blended group figure. Are there figures for the cost of capital, the cost of credit risk - thankfully, arrears are falling - and the bank's operating?