Mr. Jim O'Keeffe:

I cannot comment on where Permanent TSB is at with its items. AIB has been focused on the plan it has set out to deal with this issue between now and the end of 2019. It is not about avoiding commentary on particular items. Our track record has been that when we took on the plan we knew that PDH loans were going to be a huge challenge for everybody in it. At that point we set out to undertake the project with iCare, which probably ran for well over 12 months. We did not announce anything about the project until we concluded and knew the project was actually going happen and to work. We have since implemented the project and as we have begun to see what is coming through the project has allowed us to get to the position where we believe we can work through a considerable amount of the PDH portfolio. When we were ready with that we announced at our results recently that we were now in a position to say that PDH loans would not form part of the portfolio. I convey this to the committee, not that it answers the Deputy's other question, but to explain that our position and strategy around this. We have a very clear plan as to how we are working through this and when we have the evidence at completion we will then communicate this. To be fair, the journey for us has led us to the position where we have been able to give comfort to our family home customers that we are going to work with them over that period.