Mr. Bernard Byrne:

The statistics we included in the formal commentary are those which are publicly available based on our half-year results. At the half-year point, approximately 3,200 accounts had been identified and 2,900 of them had been restituted. These were people who were not on a tracker rate and who, because of contractual or transparency issues, we decided should be on a tracker rate. At present, that number has progressed to close to 97% of the 3,200 people. Since the half-year point, a modest number of further cases have been identified through the process. Importantly, we have identified a second category and I have included a paragraph on this. As part of the programme we found certain instances where customers, generally for a short period of time such as over a weekend, were put on the wrong rate. It also involves people who were moving off a one-year rate to something else, which was not properly addressed. This amounts to hundreds at this point in time. The compensation is generally very small in terms of the physical effect of the interest rate, and is less than €500. We include this group because it arose as part of the overall addressing of this section. We still consider the provision we have to be appropriate. We think it is a modest amount. Several hundred will come out of this group and the 3,200 in the affected group will rise by a little. Based on the fact we are very materially progressed, we do not believe it will be radically different, but it is a Central Bank programme and ultimately the Central Bank is responsible for reviewing us and all of the other lenders in the market.