Ms Francesca McDonagh:

I would need to have a look at those cases. I have given my personal commitment to resolving this. We have gone through the detail with the team with a clear customer focus. I believe that we included every customer we need to include. If there are individual cases where the borrower feels that is not the case, we will look at them.

In reference to a previous representation from the bank at this committee, the Deputy referred to transcripts. I refer to the transcripts of that meeting in September 2017. Mr. Liam McLoughlin was explicit, stating that the examination at that time was "It is not complete. It is an ongoing review. There are some [matters] still be addressed." Those matters were the cohorts that were in debate. That was an absolutely correct statement. He also stated that the number of accounts affected may change, which, indeed, they have. According to the transcript, what he stated accurately represented the position of the bank at the time. That position, following more work, review and a mandate from the board to take a more customer-centric position, has changed, which, I think, is good and right.

We are working hard to close out all remaining issues. We have looked very robustly at all cohorts. If there are individual cases, I would be delighted to have a look at them.