Ms Francesca McDonagh:

I thank the Deputy for his question. Mr. Liam McLoughlin represented the bank before this committee in September. He was very accurate in his representation of the situation at the time. He articulated the position that, at the time, the bank had approximately 4,200 affected customers which included the loss of tracker - the people who had not been given the entitlement to a tracker - which comprised 602 cases, and those who had been impacted by the margin error, some 3,654 cases. He was explicit and correct in stating that the examination at that time was incomplete, there was an ongoing review, that matters still had to be addressed and that the number of accounts affected may change, which they have. We have given updates to this committee and to the public in terms of clarifying the numbers. There have been small changes in some of these numbers, where we had duplicated or identified perhaps two customers with the same mortgage, to get to the final total of 9,400 customers identified in the examination. We can reconcile some of the smaller numbers. There is no new cohort or new reveal that we did not already articulate last November and December, nor has the number reduced significantly. We have removed duplication and clarified some of the numbers. The total number is 9,400 based on the examination to date.