Ms Derville Rowland:

Sorry, I have to be really clear. In fact, we did not identify any whistleblower in respect of the tracker mortgage issue. We were very careful not to do so. It would be wrong if we did. There has been trouble in the UK with that kind of thing. Protected disclosures mean that the anonymity of the whistleblowers is very important so that people feel able to come forward.

What we did was to give information that generally we are seeing an increase in protected disclosures, which is to be welcomed in the Central Bank. They have gone up from 50 in the previous year to 93 in 2017. What we identified was that broadly in the sectors where the lenders operate across a whole range of issues - we did not identify any issue - we had 28 protected disclosures. However, they have not been specifically linked to any particular job such as tracker mortgages or otherwise because from our consideration, that might inhibit staff or others from making protected disclosures if they were at all concerned that we would bring forward information that may tend to identify them.