Ms Francesca McDonagh:

The 6,000 had been identified. This was not a new reveal in November 2017, but there was ongoing debate, discussion and challenge between Bank of Ireland and the Central Bank on whether they should be included. There was a balance to be struck in the bank's view. The bank had endeavoured, and the intention was, to balance the legal and consumer protection requirements and examinations with fair outcomes. When I arrived, the board was very keen to resolve this and asked me to take another look with a fresh pair of eyes.