Mr. Shane O'Sullivan:

The Chairman is referring to a court decision in a case in another bank on the application of a split mortgage, specific to insolvency. The ruling was particular to that case. When Permanent TSB looked to put its options in front of customers in 2012 we saw the split mortgage as a way to help people with significant problems to overcome them over time. We have a large number of split mortgages in place - some 6,700 - and a market share of 46% in respect of all splits. Our bank saw this as a way of helping people from that date but I think the other issue is unrelated.