Gerry Horkan (Fianna Fail) | Oireachtas source

I will be brief. Deputy Michael McGrath has covered a good deal of the cost reduction issues. Ms McDonagh referred to Bank of Ireland's non-performing loan exposure being reduced by 75% in the last several years. How was that done? Was it achieved by restructuring, write-offs or moving people to a different process? How much of it was achieved by write-offs, how much was restructuring and so on?