Ms Francesca McDonagh:

No, it did not assign blame to any specific individual. The Central Bank's tracker mortgage examination is ongoing and I would not want to pre-empt it or opine on the Central Bank's behalf because it would be inappropriate to do so. The observations from our internal review into what happened and what could be learned from it are the same as I have shared previously with the committee. The operational processes that were applied to tracker mortgage customers were inconsistent and incorrect for some cases. Hence those we have included in the redress and compensation programme. We have apologised for the impact that has caused customers. We have also observed-----