Ms Derville Rowland:

There is no known outstanding issue between the Central Bank and any of the lenders. The Central Bank is bringing challenge because it is on-site and off-site and looking at how the groups are constructed. There has been less checking as the work has developed. The Central Bank may uncover extra people who are entitled to compensation or, for example, challenge the banks' interpretation of the customer journey and the transparency requirements and impact. There are no outstanding issues between the Central Bank and any of the lenders but the Central Bank has not finished all of its checking work. The Central Bank is doing exclusion testing and reconstruction of the groups of customers and matching that with the information it has about the customer journeys to see are there any anomalies or exceptions. It is possible that issues arise, and they have arisen and we are dealing with those.