Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I appreciate all the time we are getting from the witnesses. On GRG, my understanding is that the complaints process set up within Ulster Bank is entirely internal; it is run by the bank. I do not believe there are any external independent persons involved. Will Ms Rowland comment on that? Contrast that with the tracker appeals panels in all the banks where, in most cases, they are not represented on those panels; my understanding is that the Ulster Bank GRG complaints process is run entirely by the bank, without any independent input.