Professor Philip Lane:

Before this examination began, there was a prior case with Permanent TSB and Springboard. There were other cases before that which we disclosed in our March report. Prior to the examination, there were 7,100 cases. The 20,000 figure is, therefore, a hard number. That is already done. It is possible that there will be more because we are continuing to challenge the banks. However, it is not productive to speculate except to say the numbers are substantial.